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
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 5,6,7
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. 9,10,11,12,13
Key Differences in Crime Insurance
Industry package or general product
Heffernan arranges crime coverage, listed as Crime – Third Party Theft, within packages for home care, home health and hospice businesses, and the reviewed sources do not describe a general crime offering outside that context 4. Nationwide frames crime for commercial organizations considering management-liability products 8.
What is named
Heffernan separately lists an Employee Dishonesty Bond alongside workers' compensation, liability and cyber coverage 4. Nationwide's product overview does not itemize crime insuring agreements 8.
Limits and buying
Neither source publishes limits for crime: Heffernan's page gives no bond amounts, and Nationwide sets no universal limit or retention 4 8. Heffernan advises starting an application at least 30 days before working with clients, while Nationwide directs prospects to an agent 4 8.
What to Confirm in Crime Insurance Quotes
Heffernan Insurance Brokers and Nationwide Review Scores for 2026
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
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 reviewsNationwide Review Score
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsHeffernan Insurance Brokers vs Nationwide Crime Insurance Compared
Heffernan Insurance Brokers vs Nationwide: Crime Insurance: documented features by provider
| Criteria | Heffernan Home Care Crime Insurance | Nationwide crime (official overview) |
|---|---|---|
| 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. | Nationwide describes offering crime for the audience stated on the cited product page. 8Company-reported. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | Commercial organizations considering management-liability products; page describes product options and underwriting review. 8Company-reported. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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 cited product page describes crime insurance as a named commercial-liability product; Nationwide's product overview does not itemize crime insuring agreements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 8Company-reported. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Related Pages for Heffernan Insurance Brokers vs Nationwide Crime
Crime Insurance Pages for Heffernan Insurance Brokers and Nationwide
Other Coverage Lines Compared for Heffernan Insurance Brokers vs Nationwide
Other Crime Insurance Provider Comparisons
Sources for Heffernan Insurance Brokers vs Nationwide Crime Insurance
Sources About 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.
Sources About Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Commercial Liability Products | Nationwide. Nationwide; Crime section; products list within management-liability specialty. Accessed 2026-09-30.
Sources for the 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.
