---
title: "Heffernan Insurance Brokers vs Relm Insurance: Crime Insurance"
description: "Heffernan fits home-care, home-health and hospice businesses seeking third-party theft cover in a package; Relm is more relevant when you hold digital assets or face smart-contract attacks."
canonical: "https://spot.insure/compare/heffernan-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-relm"
provider-a: "heffernan"
provider-b: "relm"
coverage-line: "crime"
---

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

## Agent Guide

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

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

# Heffernan Insurance Brokers vs Relm Insurance: How Do They Compare for Crime Insurance?

Heffernan Insurance Brokers builds third-party theft crime into home care packages; Relm Insurance lists commercial crime plus digital-asset and smart-contract crime products and sells through brokers.

Heffernan documents crime only in home-care packages; Relm offers commercial crime for businesses holding fiat or digital assets and considers flash-loan and oracle attacks.

## Heffernan Insurance Brokers vs Relm Insurance Crime Insurance Summary

Heffernan fits home-care, home-health and hospice businesses seeking third-party theft cover in a package; Relm is more relevant when you hold digital assets or face smart-contract attacks. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Are the Key Differences Between Heffernan Insurance Brokers and Relm Insurance Crime Insurance?

Relm discusses flash-loan and oracle-manipulation attacks against digital infrastructure; Heffernan lists third-party theft and a separate employee dishonesty bond within its home-care package. Check Relm’s actual policy for digital-asset wording. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### Home-Care Line Item Versus Relm Commercial Crime

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. Relm lists Commercial Crime as one of three crime products on its crime insurance page, alongside Digital Asset Crime and Smart Contract Crime. Relm sells crime insurance through insurance brokers; its reviewed pages do not describe a direct online quote. Neither page names a specific issuing insurer. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### Client Theft Versus Digital Attack Methods

Relm addresses embezzlement, forgery and funds-transfer fraud plus flash-loan and oracle-manipulation attacks; Heffernan’s home-care package identifies third-party theft and employee dishonesty without those digital-infrastructure examples. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### Care Providers Versus Any Business Holding Assets

Heffernan markets this coverage to home health providers, hospices, staffing agencies, infusion therapy providers and personal care assistants, says programs cover all states and agency sizes, and tells buyers to start at least 30 days before working with clients. Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital. Heffernan’s home-care page does not publish specific crime or bond amounts. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Should You Confirm in Heffernan Insurance Brokers and Relm Insurance Crime Insurance Quotes?

- Confirm whether you need Heffernan’s home-care crime items or Relm Commercial Crime placed through a broker. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- If you hold digital assets, ask Relm which of its three crime products applies. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- Ask Heffernan for crime and bond limits separate from package cost ranges. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Get the writing company on both quotes. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## Heffernan Insurance Brokers vs Relm Insurance Crime Insurance Compared

| Criteria | Heffernan Home Care Crime Insurance | Relm Commercial Crime Insurance |
| --- | --- | --- |
| 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. [1](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..) | Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital, arguing that even strong security controls leave a gap the insurance can close. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company..) |
| 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..) | Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page framing; consistent with Relm's broader broker-distribution model..) |
| 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..) | Relm's commercial crime coverage addresses traditional theft such as embezzlement, forgery and funds transfer fraud, alongside crime risks tied to digital infrastructure and alternative asset models. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page 'What is Commercial Crime Coverage?' section; the issued policy and declarations control..)<br><br>Relm says its crime underwriting considers emerging attack methods such as flash-loan attacks that drain DeFi protocol liquidity and oracle manipulation that tricks smart contracts into faulty decisions, in addition to legacy fraud vulnerabilities. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording..) |
| 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..) | Relm lists Commercial Crime as one of three crime products (alongside Digital Asset Crime and Smart Contract Crime, covered in Relm's separate digital-assets offering record) on its crime insurance line-of-business page. [2](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About Heffernan Insurance Brokers and Relm Insurance and Crime

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

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

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

## Sources for Heffernan Insurance Brokers vs Relm 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 Relm Insurance

2. [Crime Insurance](https://relminsurance.com/lines-of-business/crime-insurance/). Relm Insurance; What is Commercial Crime Coverage?; What Crime Risks Do Innovative Companies Face?; Who Needs Crime Coverage?. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/heffernan-vs-relm/crime.md)
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