Heffernan Insurance Brokers vs 
Lockton: How Do They Compare for Crime Insurance?
Heffernan Insurance Brokers serves home care and hospice businesses, advising on coverage and premium options; Lockton serves nonprofit, private and public organizations and handles crime claims through an in-house team.
Heffernan fits home-care, home-health and hospice businesses seeking third-party theft cover in a package; Lockton serves private, public and nonprofit organizations and names a dedicated crime claims team. 1,2
What Are the Key Differences Between Heffernan Insurance Brokers and Lockton Crime Insurance?
Lockton also flags that financial institutions may need a financial institution bond, a separate product from general crime. 2 1
Home-Care Context Versus Lockton’s Brokered Program
Heffernan arranges crime listed as Crime – Third Party Theft inside packages for home care, home health and hospice businesses; this record only documents crime in that home-care context. Lockton places Crime and Fidelity to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties and describes this as a brokered program, not a policy Lockton underwrites. Neither reviewed page names the issuing insurers. 1 2
Package Items Versus Claim Types Lockton Names
Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond among the coverages in its home-care package. Lockton lists employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud involving customers, vendors or employees. 1 2
Who Each Practice Names as a Buyer
Heffernan markets this crime coverage to home health and in-home providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says its home-care programs cover all states and agency sizes. Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. 1 2
What Should You Confirm in Heffernan Insurance Brokers and Lockton Crime Insurance Quotes?
- Confirm whether you belong on Heffernan’s home-care crime and employee dishonesty bond or Lockton’s Crime and Fidelity program. 1 2
- If you are a financial institution, ask Lockton whether a financial institution bond is required instead of general crime. 2
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a theft claim versus Heffernan’s home-care specialists. 2 1
- Get limits and the writing company from both; Heffernan’s page does not publish crime or bond amounts. 1 2
Heffernan Insurance Brokers vs Lockton Crime Insurance Compared
Heffernan Insurance Brokers vs Lockton: Crime Insurance: documented features by provider
| Criteria | Heffernan Home Care Crime Insurance | Lockton Crime and Fidelity Insurance Brokerage |
|---|---|---|
| Who It’s For | Heffernan markets this crime coverage to home health care and in-home health care providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says its home care programs cover all states and agency sizes. 1Company-reported. Home Care Business Insurance page's client-type and coverage-area descriptions; 'all states' is a company statement, not independently verified state-by-state licensing. | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. 2Company-reported. Crime and Fidelity product page as read 2026-09-23. |
| Coverage Features | Heffernan lists 'Crime – Third Party Theft' and a separate 'Employee Dishonesty Bond' among the coverages in its home care package, alongside workers' compensation, general and professional liability, and cyber and identity theft coverage. 1Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there. | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. 2Company-reported. Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy. |
| Role in This Line | Heffernan arranges crime coverage, listed on its site as 'Crime – Third Party Theft,' as part of the insurance packages it builds for home care, home health and hospice businesses. This record only documents crime coverage in that home-care context; the reviewed sources do not describe a general commercial crime offering outside home care. 1Company-reported. Home Care Business Insurance page's coverage list. | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. 2Company-reported. Crime and Fidelity product page as read 2026-09-23. |
