---
title: "Heffernan Insurance Brokers vs TechInsurance Fidelity Bonds"
description: "Heffernan lists home-care and family-office bonds without form detail; TechInsurance publishes first-party, third-party and ERISA variants you can quote online."
canonical: "https://spot.insure/compare/heffernan-vs-techinsurance/fidelity-bonds"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Heffernan Insurance Brokers vs TechInsurance Fidelity Bonds

Heffernan lists home-care and family-office bonds without form detail; TechInsurance publishes first-party, third-party and ERISA variants you can quote online.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and TechInsurance 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 places an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial institution bond for family offices, without describing insuring agreements. TechInsurance’s fidelity page lists fraud, theft, forgery and embezzlement, first-party versus third-party forms, ERISA and other variants, and a short online application. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [7](https://www.techinsurance.com/about-us "About TechInsurance") [8](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Are Fidelity Bonds?

Fidelity bonds and employee-dishonesty policies address losses caused by dishonest employees, within the limits and terms purchased. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms")

## Key Differences in Fidelity Bonds

### Two Practice Labels Versus a Dedicated Explainer

Heffernan lists Employee Dishonesty Bond for home-care agencies and Fidelity/financial institution bond for family offices, without describing the bond’s insuring agreement. TechInsurance’s dedicated page says the bonds cover employee fraud, theft, forgery and embezzlement against the business or its clients, and splits first-party from third-party plus employee-dishonesty, business-service, janitorial and ERISA kinds. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

### Who Each Firm Names

Heffernan names home care, home health, hospice, family offices, trustees, advisors, private equity and foundations. TechInsurance targets businesses whose employees handle sensitive financial information or access client property unsupervised, with examples such as web hosting, project management, cleaning, healthcare and security-guard companies. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

### Quote Path and Issuer Notes

TechInsurance uses a short online application and says agents can add the bond to a package; it also says an ERISA fidelity bond must come from a Treasury-authorized surety. Heffernan’s reviewed pages do not describe an online bind path and do not name an underwriter or penalty amount. TechInsurance discusses cost drivers (bond amount, type, industry, employee access, credit score) rather than a published median premium. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office")

## What to Confirm in Fidelity Bonds Quotes

- Ask Heffernan which listed product applies and which carrier would write it. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office")
- Ask TechInsurance which variant is quoted and, if ERISA, which Treasury-listed surety issues it. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")
- Confirm whether a home-care Employee Dishonesty Bond is first-party, third-party, or both, using TechInsurance’s distinction as a checklist. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")
- Compare deductibles and whether a financial institution bond is needed for a family office. [5](https://www.heffins.com/family-office/ "Family Office") [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online")

## Offering Details

| Criteria | Heffernan Employee Dishonesty / Fidelity Bonds | TechInsurance Fidelity Bonds |
| --- | --- | --- |
| 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..) | TechInsurance arranges fidelity bonds, describing them as a type of commercial crime insurance and a type of surety bond, distinct from a traditional insurance policy in that the bonding company can seek repayment from the employee responsible for a dishonest act. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product 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 page does not name a specific surety or insurer for a standard fidelity bond, though it says an ERISA fidelity bond specifically must be purchased from a surety company authorized by the U.S. Department of the Treasury. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page 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..) | TechInsurance targets fidelity bonds at businesses whose employees handle sensitive financial information or access client property unsupervised, naming web hosting, project management, cleaning, healthcare and security-guard companies as example segments. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page, Who should get fidelity bonds? section..) |
| 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..) | TechInsurance says fidelity bonds cover employee fraud, theft, forgery and embezzlement against the business or its clients, and distinguishes first-party bonds (protecting the business itself) from third-party bonds (protecting clients), plus employee dishonesty, business service, janitorial and ERISA bond variants. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page; general policy description, not a specific bond form..) |
| 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..) | TechInsurance says fidelity bond costs vary widely and are typically calculated based on the total bond amount, with underwriting factors including bond type and size, industry risk, number of employees with sensitive-data access, and credit score; it does not publish a median premium for this line as it does for some other policies. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page, How much do fidelity bonds cost? section..) |
| 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 request fidelity bond quotes online through a short application; TechInsurance says its licensed agents can help add fidelity bonds to a broader coverage package. [9](https://www.techinsurance.com/fidelity-bonds "Fidelity Bonds – Quotes Online") (Evidence: Company-reported; scope: Fidelity bonds product page..) |

## Full Comparison

- [Heffernan Insurance Brokers vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance): 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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-techinsurance/business-owners-policy)
- [Heffernan Insurance Brokers vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/commercial-auto)
- [Heffernan Insurance Brokers vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/commercial-property)
- [Heffernan Insurance Brokers vs TechInsurance Cyber Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/cyber)
- [Heffernan Insurance Brokers vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/employment-practices)
- [Heffernan Insurance Brokers vs TechInsurance General Liability Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/general-liability)
- [Heffernan Insurance Brokers vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/professional-errors-omissions)
- [Heffernan Insurance Brokers vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/workers-compensation)
- [Beazley vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/beazley-vs-heffernan/fidelity-bonds)
- [Beazley vs TechInsurance Fidelity Bonds](https://spot.insure/compare/beazley-vs-techinsurance/fidelity-bonds)
- [Coverdash vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/coverdash-vs-heffernan/fidelity-bonds)
- [Coverdash vs TechInsurance Fidelity Bonds](https://spot.insure/compare/coverdash-vs-techinsurance/fidelity-bonds)
- [Founder Shield vs Heffernan Insurance Brokers Fidelity Bonds](https://spot.insure/compare/foundershield-vs-heffernan/fidelity-bonds)
- [Founder Shield vs TechInsurance Fidelity Bonds](https://spot.insure/compare/foundershield-vs-techinsurance/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.

### TechInsurance

7. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
8. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
9. [Fidelity Bonds – Quotes Online](https://www.techinsurance.com/fidelity-bonds). TechInsurance; What do fidelity bonds cover? (fraud, theft, forgery, embezzlement, employee benefits theft/ERISA); What is the difference between first-party and third-party fidelity bonds?; What are the different kinds of fidelity bonds?; How much do fidelity bonds cost?; What is the difference between commercial crime insurance and a fidelity bond?. Accessed 2026-09-23.

### Fidelity Bonds Guide

10. [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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