---
title: "Heffernan Insurance Brokers vs Lockton: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/heffernan-vs-lockton/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-lockton"
provider-a: "heffernan"
provider-b: "lockton"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-lockton/crime)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Lockton for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Heffernan Insurance Brokers versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Heffernan Insurance Brokers vs Lockton for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Heffernan Insurance Brokers or Lockton?
- What does Heffernan Insurance Brokers or Lockton publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Heffernan Insurance Brokers and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Heffernan Insurance Brokers vs Lockton](https://spot.insure/compare/heffernan-vs-lockton) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 documents third-party crime inside home-care packages; Lockton serves private, public and nonprofit organizations with named crime perils and a dedicated claims team.

## Heffernan Insurance Brokers vs Lockton Crime Insurance Summary

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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- If you are a financial institution, ask Lockton whether a financial institution bond is required instead of general crime. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a theft claim versus Heffernan’s home-care specialists. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Get limits and the writing company from both; Heffernan’s page does not publish crime or bond amounts. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## Heffernan Insurance Brokers vs Lockton Crime Insurance Compared

| 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |

## About Heffernan Insurance Brokers and Lockton and Crime Insurance

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Heffernan Insurance Brokers vs Lockton Crime

- [Heffernan Insurance Brokers vs Lockton](https://spot.insure/compare/heffernan-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Heffernan Insurance Brokers Crime Insurance](https://spot.insure/insurance-providers/heffernan/crime)
- [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime)

## Sources for Heffernan Insurance Brokers vs Lockton Crime Insurance

### Sources About Heffernan Insurance Brokers

1. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; Insurance for Home Care Businesses, Home Health, and Hospices: covering all states and agency sizes; 'We offer comprehensive coverage for' list including Crime – Third Party Theft and Employee Dishonesty Bond; Home Care Insurance Cost for Start-ups; practice-leader contacts. Accessed 2026-09-23.

### Sources About Lockton

2. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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- [Markdown page](https://spot.insure/compare/heffernan-vs-lockton/crime.md)
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