---
title: "Heffernan Insurance Brokers vs Marsh Fidelity Bonds"
description: "Heffernan names home-care and family-office fidelity products; Marsh folds employee fidelity into commercial crime rather than a standalone bond line."
canonical: "https://spot.insure/compare/heffernan-vs-marsh/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and Marsh for Fidelity Bonds against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Heffernan lists an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial institution bond for family offices. Marsh’s reviewed pages bundle fidelity with commercial crime; MMA lists commercial crime/fidelity as one item, and Marsh says employee fidelity losses are about half of crime-policy notifications. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [12](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

## 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](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## 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](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [8](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [9](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [10](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## What Are Fidelity Bonds?

Fidelity bonds and employee-dishonesty policies address losses caused by dishonest employees, within the limits and terms purchased. [13](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [12](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [12](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office")
- Ask Marsh whether the placement is a crime policy, a fidelity or FI bond, or both. [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [12](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")
- Compare who the bond protects: Heffernan’s home-care wording versus Marsh’s employee-fraud-against-the-business framing. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")
- Get carrier, penalty and claims contact from both. [5](https://www.heffins.com/family-office/ "Family Office") [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

## Offering Details

| 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: 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](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Company-reported; scope: 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not publicly disclosed; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [12](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Not publicly disclosed; scope: 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: 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. [11](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; 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not found in reviewed sources; scope: 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. [6](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Not found in reviewed sources; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [12](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..) |

## Full Comparison

- [Heffernan Insurance Brokers vs Marsh](https://spot.insure/compare/heffernan-vs-marsh): all coverage lines, business roles, service and claims.
- [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds): Fidelity bonds and employee-dishonesty coverage protect against specified losses caused by dishonest employees or people handling plan assets.
- [Heffernan Insurance Brokers vs Marsh Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-marsh/builders-risk)
- [Heffernan Insurance Brokers vs Marsh Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-marsh/commercial-property)
- [Heffernan Insurance Brokers vs Marsh Crime Insurance](https://spot.insure/compare/heffernan-vs-marsh/crime)
- [Heffernan Insurance Brokers vs Marsh Cyber Insurance](https://spot.insure/compare/heffernan-vs-marsh/cyber)
- [Heffernan Insurance Brokers vs Marsh Employee Health Benefits](https://spot.insure/compare/heffernan-vs-marsh/employee-health-benefits)
- [Heffernan Insurance Brokers vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-marsh/employment-practices)
- [Heffernan Insurance Brokers vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-marsh/fiduciary)
- [Heffernan Insurance Brokers vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-marsh/professional-errors-omissions)
- [Heffernan Insurance Brokers vs Marsh Surety Bonds](https://spot.insure/compare/heffernan-vs-marsh/surety-bonds)
- [Heffernan Insurance Brokers vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-marsh/workers-compensation)
- [Beazley vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/beazley-vs-heffernan/fidelity-bonds)
- [Beazley vs Marsh Fidelity Bonds](https://spot.insure/compare/beazley-vs-marsh/fidelity-bonds)
- [Coverdash vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/coverdash-vs-heffernan/fidelity-bonds)
- [Coverdash vs Marsh Fidelity Bonds](https://spot.insure/compare/coverdash-vs-marsh/fidelity-bonds)
- [Founder Shield vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/foundershield-vs-heffernan/fidelity-bonds)
- [Founder Shield vs Marsh Fidelity Bonds](https://spot.insure/compare/foundershield-vs-marsh/fidelity-bonds)

## Sources

### Heffernan Insurance Brokers

1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). 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.
3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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.
4. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for: ... Crime - Third Party Theft, Employee Dishonesty Bond, Cyber & Identity Theft, Medical Billing E&O, Property Coverage and more. Accessed 2026-09-23.
5. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: ... Trustee liability insurance, Property and auto insurance, Fiduciary liability insurance, Fidelity/financial institution bond, Cyber liability insurance, Crime insurance, General liability insurance. Accessed 2026-09-23.
6. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23.

### Marsh

7. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
8. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
9. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
10. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
11. [Commercial crime insurance](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html). Marsh; Employee white-collar fraud: Marsh data shows around 50% of crime policy notifications are for employee fidelity losses, involving trusted employees who exploit systems for personal gain. Accessed 2026-09-23.
12. [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.

### Fidelity Bonds Guide

13. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.

Updated 2026-09-23. 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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