Heffernan Insurance Brokers vs RiskCube Crime Insurance

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.

RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. ⁸Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23.

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.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. ⁷Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically.

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.

RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." ⁸Company-reported. Catalogue Commercial Crime card.

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.

RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. ⁸Company-reported. Catalogue Commercial Crime card summary.

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.

RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. ⁸Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table.

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.

The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. ⁸Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.

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.

RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. ⁸Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific.

Not described in the reviewed sources.

The reviewed catalogue page does not describe claims handling specific to commercial crime. ⁸Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.