Heffernan Insurance Brokers vs 
Markel Insurance: How Do They Compare for Crime Insurance?
What Is Heffernan Insurance Brokers?
Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. 1,2,3
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 5,6
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 8,9,10,11,12
Key Differences in Crime Insurance
Home-Care Package and Cyber 360 Component
Heffernan lists “Crime – Third Party Theft” and a separate “Employee Dishonesty Bond” in its home-care insurance package; its reviewed sources do not describe a general commercial crime offer outside that context. Markel lists eCrime under Cyber 360’s fraud and unauthorized-use section and does not establish a standalone crime policy. Home-care agencies therefore have a specifically documented Heffernan package route, while Markel’s documented access is through cyber coverage; do not assume the bond and eCrime are equivalent protections. 4 7
Target Businesses and Application Timing
Heffernan names home health and in-home care providers, hospices, staffing agencies, registries, infusion-therapy providers, and personal-care assistants, and advises beginning the application at least 30 days before serving clients. Markel describes eCrime for Cyber 360 policyholders and leaves exact availability to the quote. For an agency planning a launch, Heffernan’s stated lead time affects placement planning; Markel buyers should confirm whether Cyber 360 is available for their operation and includes eCrime. 4 7
Limits and Insurer Details
Heffernan publishes no crime limits or bond amounts and does not name the issuing insurer for this package. Markel’s page gives examples of fraudulent transfers and fake payment instructions, but the exact Cyber 360 terms require the quote. Request the issued form and limit from each placement, including whether Heffernan’s bond and third-party-theft coverage are scheduled separately. 4 7
What to Confirm in Crime Insurance Quotes
- Ask Heffernan for separate terms and limits for third-party theft and the employee dishonesty bond, plus the issuing insurer. 4
- Ask Markel whether your Cyber 360 proposal includes eCrime and how its terms address third-party theft and fraudulent payment instructions. 7
- Confirm Heffernan’s recommended 30-day application lead time against your planned client-service start date. 4
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Heffernan Insurance Brokers
Review Score
1 rated source
Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.[6][7][8]
Read Heffernan Insurance Brokers reviewsMarkel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsOffering Details
Heffernan Insurance Brokers vs Markel Insurance: Crime Insurance: documented features by provider
| Criteria | Heffernan Home Care Crime Insurance | Markel Cyber 360 eCrime coverage |
|---|---|---|
| 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. 4Company-reported. Home Care Business Insurance page's coverage list. | Markel lists eCrime within the fraud and unauthorized-use section of Cyber 360; the reviewed source does not establish a standalone commercial crime policy from this page. 7Company-reported. Cyber policy component only; not a fidelity bond. |
| Issuing Insurer | The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. 4Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations. | Confirm in your quote. |
| 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. 4Company-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. | Markel describes these resources and coverages for Cyber 360 policyholders; the exact availability and terms require the quoted policy. 7Company-reported. Policyholder-specific access and policy wording apply. |
| 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. 4Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there. | The page says eCrime may cover expenses from fraudulent activity such as unauthorized money transfers and fake payment instructions, subject to policy terms. 7Company-reported. Cyber 360 marketing description; does not establish a general crime-form grant. |
| Limits and Retentions | The home care page does not publish specific limits or bond amounts for the crime or employee dishonesty coverage; it discusses only general cost ranges for the overall home care insurance package. 4Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23. | Confirm in your quote. |
| Risk Services | Heffernan says its home care insurance specialists can walk clients through coverage and premium options, and it names a dedicated Home Care Practice Leader and regional practice leaders as points of contact. 4Company-reported. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections. | Confirm in your quote. |
| How to Apply | Heffernan tells home care businesses to begin the insurance application process at least 30 days before working with clients and to contact Heffernan for a free rate quote, since rates vary by state. 4Company-reported. Home Care Business Insurance page's cost-and-timing section. | Confirm in your quote. |
Full Comparison
More Heffernan Insurance Brokers vs Markel Insurance Comparisons
Other Crime Insurance Comparisons
Sources
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
- Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
- Home Care Business Insurance. 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.
Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Cyber Insurance Coverage. Markel; Cyber 360 coverage options: media liability; technology professional liability; eCrime; coverages listed within the cyber policy. Accessed 2026-09-29.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
