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

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

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Marsh 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 Marsh. 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 Marsh for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Heffernan Insurance Brokers or Marsh?
- What does Heffernan Insurance Brokers or Marsh publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Heffernan Insurance Brokers and Marsh.
- 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 Marsh](https://spot.insure/compare/heffernan-vs-marsh) — 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
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile

# 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 documents crime only within home-care packages; Marsh handles complex placements up to $110 million and offers social-engineering cover above existing limits.

## Heffernan Insurance Brokers vs Marsh Crime Insurance Summary

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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

## 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

### 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")
- Ask Marsh whether the quote is Marsh corporate or MMA and whether social-engineering top-up is included. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")
- Ask Heffernan for crime and bond limits separate from package cost ranges, and confirm the 30-day application lead time. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Get the writing company from both. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

## Heffernan Insurance Brokers vs Marsh Crime Insurance Compared

| 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Company-reported; scope: Commercial crime insurance page, Why Marsh section..) |

## About Heffernan Insurance Brokers and Marsh 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)
- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Heffernan Insurance Brokers vs Marsh Crime Insurance

- [Heffernan Insurance Brokers vs Marsh](https://spot.insure/compare/heffernan-vs-marsh): 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)
- [Marsh Crime Insurance](https://spot.insure/insurance-providers/marsh/crime)

## Sources for Heffernan Insurance Brokers vs Marsh 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 Marsh

2. [Commercial crime insurance](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html). Marsh; Opening positioning; The crime risks businesses cannot ignore; What does commercial crime insurance cover? (employee white-collar fraud, third-party fraud, collusion, hacking, social engineering fraud, tangible asset theft); Why Marsh: complex crime placements up to $110 million. Accessed 2026-09-23.
3. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. 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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