Heffernan Insurance Brokers vs Marsh Fidelity Bonds

Heffernan names home-care and family-office fidelity products; Marsh folds employee fidelity into commercial crime rather than a standalone bond line.

What Is Heffernan Insurance Brokers?

Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. ^1,^2,³

Read the Heffernan Insurance Brokers profile

What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. ^7,^8,^9,¹⁰

Read the Marsh profile

What Are Fidelity Bonds?

Fidelity bonds and employee-dishonesty policies address losses caused by dishonest employees, within the limits and terms purchased. ¹³

Read the full coverage guide

Key Differences in Fidelity Bonds

Two Named Bonds Versus a Crime Listing

Heffernan uses two product names for two client groups: Employee Dishonesty Bond for home-care agencies and Fidelity/financial institution bond for family offices and financial firms. Marsh does not sell fidelity as a separate product on the pages reviewed; it bundles fidelity with commercial crime, and MMA lists commercial crime/fidelity as one executive-and-professional-liability item. ⁴ ⁵ ¹² ¹¹

What Each Description Emphasizes

Heffernan’s pages name the products but do not describe insuring agreements, exclusions or claim triggers. Marsh describes employee white-collar fraud by trusted staff who exploit systems for personal gain, and says those fidelity losses make up about half of crime-policy notifications in its data. ⁴ ⁵ ¹¹

Who You Talk To

Heffernan’s listings sit on home-care and family-office practice pages. Marsh’s reviewed pages send you to a Marsh or MMA crime-and-fidelity specialist because the cover is placed with commercial crime. Neither names the issuing insurer. ⁴ ⁵ ¹¹ ¹²

What to Confirm in Fidelity Bonds Quotes

Ask Heffernan which listed product applies if you are neither a home-care agency nor a family office. ⁴ ⁵
Ask Marsh whether the placement is a crime policy, a fidelity or FI bond, or both. ¹¹ ¹²
Compare who the bond protects: Heffernan’s home-care wording versus Marsh’s employee-fraud-against-the-business framing. ⁴ ¹¹
Get carrier, penalty and claims contact from both. ⁵ ¹¹

Offering Details

Heffernan Insurance Brokers vs Marsh Fidelity Bonds: documented features by provider

Criteria	Heffernan Employee Dishonesty / Fidelity Bonds	Marsh Fidelity Coverage
Role in This Line	Heffernan arranges fidelity-type bonds as one line within two specialty practices: an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial institution bond for family offices and financial firms. It places these bonds with insurers rather than issuing them itself. ^4,⁵Company-reported. Home Care and Family Office practice-page listings; no dedicated fidelity-bond product page was found.	Marsh does not sell fidelity coverage as a separate product line in the pages reviewed. It bundles fidelity with commercial crime insurance, and MMA lists "commercial crime/fidelity" together as one item in its executive and professional liability practice. ^12,¹¹Company-reported. MMA executive and professional liability page and Marsh's commercial crime page.
Issuing Insurer	The reviewed pages do not name the insurer or bond underwriter for either the home-care Employee Dishonesty Bond or the family-office fidelity bond. ^4,⁵Not publicly disclosed. Home Care and Family Office pages as read on 2026-09-23.	The reviewed pages do not name a specific insurer for fidelity or crime/fidelity coverage. ^11,¹²Not publicly disclosed. Commercial crime insurance and MMA executive and professional liability pages as read on 2026-09-23.
Who It’s For	Heffernan lists fidelity-type bonds for two named buyer segments: home care, home health, and hospice agencies, and family offices, trustees, financial advisors, private equity firms, and foundations. ^4,⁵Company-reported. Direct practice-page listings; no minimum size or other eligibility criteria for the bond specifically were published.	Not described in the reviewed sources.
Coverage Features	Heffernan uses two different bond product names for its two client segments: "Employee Dishonesty Bond" for home-care agencies and "Fidelity/financial institution bond" for family offices and financial firms. Neither page describes the bond's insuring agreement, exclusions, or claim triggers. ^4,⁵Company-reported. Home Care and Family Office pages as read on 2026-09-23.	Marsh describes employee white-collar fraud, meaning fidelity losses caused by trusted employees who exploit systems for personal gain, as one of the risks a commercial crime policy addresses; it says these losses make up about half of the crime-policy notifications in its data. ¹¹Company-reported. Commercial crime insurance page; a fidelity-specific policy form was not identified as a distinct product from crime coverage.
Limits and Retentions	Neither the home-care nor the family-office page publishes a bond penalty amount, limit, or deductible for the fidelity coverage. ^4,⁵Not found in reviewed sources. Home Care and Family Office pages as read on 2026-09-23.	Not described in the reviewed sources.
Risk Services	Heffernan's published claims-advocacy services list workers' compensation, general liability, auto, and property claims support; fidelity or crime-bond claims handling is not described on that page. ⁶Not found in reviewed sources. Claims Advocacy page as read on 2026-09-23; does not establish that fidelity-bond claims receive no support, only that this page does not describe it.	Not described in the reviewed sources.
How to Apply	Not described in the reviewed sources.	You would engage a Marsh or MMA crime and fidelity specialist directly, since fidelity is placed together with commercial crime rather than through a separate application path in the reviewed pages. ^11,¹²Company-reported. Commercial crime insurance and MMA executive and professional liability pages.

Full Comparison

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