---
title: "Heffernan Insurance Brokers vs Newfront Crime Insurance"
description: "Heffernan documents crime inside home-care packages; Newfront brokers fidelity and crime in Executive Risk for funded private companies and public companies."
canonical: "https://spot.insure/compare/heffernan-vs-newfront/crime"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Heffernan Insurance Brokers vs Newfront Crime Insurance

Heffernan documents crime inside home-care packages; Newfront brokers fidelity and crime in Executive Risk for funded private companies and public companies.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and Newfront for Crime Insurance 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 arranges Crime – Third Party Theft inside home care, home health and hospice packages, and the reviewed sources do not describe a general commercial crime offering outside that context. Newfront brokers crime inside Executive Risk, grouped with fidelity, for private companies from seed through later funding and for publicly traded companies, with dashboard access and integrated claims negotiation. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")

## 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 Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [5](https://www.newfront.com/business-insurance "Business Insurance") [6](https://www.newfront.com/total-rewards "Employee Benefits") [7](https://www.newfront.com/navigator "Newfront Navigator") [8](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Home-Care Packages Versus Executive Risk Placement

Heffernan arranges crime listed as Crime – Third Party Theft as part of packages for home care, home health and hospice businesses; the reviewed sources do not describe a general commercial crime offering outside home care. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")

### Care Agencies Versus Funded and Public Companies

Heffernan markets this crime coverage to home health and in-home providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says home-care programs cover all states and agency sizes. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")

## What to Confirm in Crime Insurance Quotes

- Confirm whether you need Heffernan’s home-care third-party theft and employee dishonesty bond or Newfront’s Executive Risk fidelity and crime placement. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")
- Ask Newfront which agreements sit under Fidelity and Crime. [9](https://www.newfront.com/executive-risk "Executive Risk")
- Ask Heffernan for crime and bond limits separate from package cost ranges. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Get the writing company from both. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")

## Offering Details

| Criteria | Heffernan Home Care Crime Insurance | Newfront Fidelity and Crime Insurance |
| --- | --- | --- |
| 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. [4](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..) | Newfront brokers crime coverage as part of its Executive Risk practice, which it groups with fidelity coverage under one Key Coverages entry. It negotiates placement rather than underwriting the risk. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk offering page; crime and fidelity are listed together, not as separately described products..) |
| Issuing Insurer | The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) | The reviewed Executive Risk page does not name the insurer or insurers that would issue a crime policy placed through Newfront. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23; carrier depends on the specific placement..) |
| 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. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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..) | Newfront says its Executive Risk practice services private companies from seed round through every series of funding, and describes work with over 500 publicly traded companies, without a crime-specific eligibility threshold. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Here for the Long Run section; figures describe the executive-risk practice broadly, not crime coverage specifically..) |
| 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. [4](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..) | Newfront lists "Fidelity and Crime" among the Key Coverages of its Executive Risk program. The page does not separately describe crime-specific insuring agreements such as employee theft, computer fraud or funds-transfer fraud. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page Key Coverages list; crime and fidelity are bundled in one line item..) |
| 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. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Home Care Business Insurance page on 2026-09-23..) | Newfront's Executive Risk page does not publish limits or retentions for crime coverage. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23..) |
| 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. [4](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..) | Newfront says clients get 24/7 access to their insurance program, including policies, certificates of insurance and billing, through its connected dashboard, and that renewal submissions use pre-populated historical data. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Industry-Leading Technology section; described across Executive Risk lines, not crime-specific..) |
| 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. [4](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 start a crime coverage placement by requesting a consultation through Newfront's Executive Risk page. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page call-to-action; no online quoting or binding described..) |
| Claims Support | Not described in the reviewed sources. | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a crime claim. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: The Newfront Difference section; described across Executive Risk lines, not a crime-specific claims workflow..) |

## Full Comparison

- [Heffernan Insurance Brokers vs Newfront](https://spot.insure/compare/heffernan-vs-newfront): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Heffernan Insurance Brokers vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-newfront/cargo-transit)
- [Heffernan Insurance Brokers vs Newfront Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-newfront/commercial-auto)
- [Heffernan Insurance Brokers vs Newfront Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-newfront/commercial-property)
- [Heffernan Insurance Brokers vs Newfront Cyber Insurance](https://spot.insure/compare/heffernan-vs-newfront/cyber)
- [Heffernan Insurance Brokers vs Newfront Employee Health Benefits](https://spot.insure/compare/heffernan-vs-newfront/employee-health-benefits)
- [Heffernan Insurance Brokers vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-newfront/employment-practices)
- [Heffernan Insurance Brokers vs Newfront Fidelity Bonds](https://spot.insure/compare/heffernan-vs-newfront/fidelity-bonds)
- [Heffernan Insurance Brokers vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-newfront/fiduciary)
- [Heffernan Insurance Brokers vs Newfront General Liability Insurance](https://spot.insure/compare/heffernan-vs-newfront/general-liability)
- [Heffernan Insurance Brokers vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-newfront/professional-errors-omissions)
- [Heffernan Insurance Brokers vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/heffernan-vs-newfront/representations-warranties)
- [Heffernan Insurance Brokers vs Newfront Surety Bonds](https://spot.insure/compare/heffernan-vs-newfront/surety-bonds)
- [Heffernan Insurance Brokers vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-newfront/workers-compensation)
- [Alliance Risk vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/crime)
- [Alliance Risk vs Newfront Crime Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/crime)
- [Beazley vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/beazley-vs-heffernan/crime)
- [Beazley vs Newfront Crime Insurance](https://spot.insure/compare/beazley-vs-newfront/crime)
- [CFC vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/cfc-vs-heffernan/crime)
- [CFC vs Newfront Crime Insurance](https://spot.insure/compare/cfc-vs-newfront/crime)

## 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; 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.

### Newfront

5. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
6. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
7. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
8. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
9. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Fidelity and Crime; Here for the Long Run: Private Companies and Public statistics; Industry-Leading Technology. Accessed 2026-09-23.

### Crime Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-24. 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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