Heffernan Insurance Brokers vs Marsh: How Do They Compare for Crime Insurance?

Heffernan Insurance Brokers serves home care, home health and hospice firms and advises starting the application at least 30 days before working with clients; Marsh says its team has handled complex crime placements of about $10 million to $110 million.

Heffernan fits home-care, home-health and hospice businesses seeking third-party theft cover in a package; Marsh suits larger programs needing complex placements or added social-engineering limits. ^1,^2,³

What Are the Key Differences Between Heffernan Insurance Brokers and Marsh Crime Insurance?

Marsh describes placement experience from about $10 million to $110 million, not a policy limit promise, and offers social-engineering infill above existing coverage. Heffernan’s home-care page does not publish crime or bond limits. ² ¹

Home-Care Packages Versus Marsh Crime Specialists

Heffernan arranges crime listed as Crime – Third Party Theft inside packages for home care, home health and hospice businesses; the reviewed sources do not describe a general commercial crime offering outside home care. Marsh’s financial and professional liability practice places commercial crime, and Marsh McLennan Agency also places crime bundled with fidelity. You engage Marsh’s crime specialists directly; the reviewed pages describe advisor-led placement rather than an online quote. ¹ ² ³

Agency Theft Versus White-Collar and Hacking Risks

Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond in the home-care package. Marsh lists employee white-collar fraud including fidelity losses from trusted employees, third-party fraud, collusion, hacking or computer-related crime, social-engineering fraud and tangible-asset theft, and notes that crime policies usually exclude ransomware though most cover funds stolen by hackers. Marsh also offers infill and top-up social-engineering cover in excess of a client’s existing program. ¹ ²

What the Reviewed Pages Say About Limits

Marsh says its team has experience handling complex crime placements ranging from about $10 million to $110 million, without publishing standard limits, retentions or premiums for a specific placement. Heffernan’s home-care page does not publish specific limits or bond amounts for the crime or employee dishonesty coverage and discusses only general cost ranges for the overall home-care insurance package. Neither side’s reviewed pages name the issuer. ² ¹

What Should You Confirm in Heffernan Insurance Brokers and Marsh Crime Insurance Quotes?

Confirm whether you need Heffernan’s home-care crime items or a Marsh commercial crime placement. ¹ ²
Ask Marsh whether the quote is Marsh corporate or MMA and whether social-engineering top-up is included. ² ³
Ask Heffernan for crime and bond limits separate from package cost ranges, and confirm the 30-day application lead time. ¹
Get the writing company from both. ¹ ²

Heffernan Insurance Brokers vs Marsh Crime Insurance Compared

Heffernan Insurance Brokers vs Marsh: Crime Insurance: documented features by provider

Criteria	Heffernan Home Care Crime Insurance	Marsh Commercial Crime Insurance Brokerage
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. ¹Company-reported. Home Care Business Insurance page's cost-and-timing section.	You engage Marsh's crime specialists (Marsh corporate or MMA) directly to identify crime exposure and place coverage; the reviewed pages describe advisor-led placement rather than an online quote tool. ^2,³Company-reported. Commercial crime insurance and MMA executive and professional liability pages.
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.	Marsh lists employee white-collar fraud (including fidelity losses from trusted employees), third-party fraud, collusion, hacking or computer-related crime, social engineering fraud, and tangible asset theft as risks a commercial crime policy can address. It notes that crime policies usually exclude ransomware, though most cover direct financial losses from funds stolen by hackers. ²Company-reported. Commercial crime insurance page; the page is Marsh's global/UK financial-professional-liability practice content and cites a UK-based crime leader, so figures and coverage descriptions may not reflect a US-specific program.
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.	Marsh's financial and professional liability practice places commercial crime insurance; Marsh McLennan Agency (MMA), the middle-market subsidiary, also places crime coverage bundled with fidelity as part of its executive and professional liability practice. ^2,³Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page.
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. ¹Company-reported. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections.	Marsh says it provides insights on emerging crime risks, claim examples, market conditions and product education throughout renewal and placement, and offers infill and top-up social engineering cover in excess of a client's existing program. ²Company-reported. Commercial crime insurance page, Why Marsh section.