Heffernan Insurance Brokers vs 
The Hartford: How Do They Compare for Crime Insurance?
Heffernan Insurance Brokers builds third-party-theft crime into home care packages; The Hartford offers crime as one of five options in its Private Choice Premier package for nonprofit, public and private companies.
Heffernan fits home-care, home-health and hospice agencies seeking third-party theft cover in a package; The Hartford names public, private and nonprofit businesses and offers a distinct financial-institutions track. 1,2
What Are the Key Differences Between Heffernan Insurance Brokers and The Hartford Crime Insurance?
If you are a public company or nonprofit, The Hartford explicitly names those buyers for its Private Choice Premier crime option; financial institutions have a separate bond and commercial-crime track. Heffernan’s page focuses on care agencies and does not publish crime limits. 2 1
Brokered Home-Care Item Versus Hartford as Insurer
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, and the home-care page does not name the insurer. The Hartford’s crime insurance is one of five options in Private Choice Premier and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 1 2
Package Theft Versus Register Theft Example
Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond among home-care package coverages, alongside workers’ compensation, general and professional liability, and cyber and identity-theft coverage. The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. 1 2
Care Agencies Versus Management-Liability Buyers
Heffernan markets this crime 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 agencies to begin at least 30 days before working with clients. The Hartford’s crime coverage is available to nonprofit organizations, publicly traded companies and privately held companies as part of its management-liability lineup. Heffernan’s page does not publish specific crime or bond amounts. 1 2
What Should You Confirm in Heffernan Insurance Brokers and The Hartford Crime Insurance Quotes?
- Confirm whether you need Heffernan’s home-care crime items or Hartford crime inside Private Choice Premier or the financial-institutions track. 1 2
- Ask The Hartford which track the quote uses. 2
- Ask Heffernan for crime and bond limits separate from package cost ranges. 1
- Get the writing company on the Heffernan placement. 1
Heffernan Insurance Brokers vs The Hartford Crime Insurance Compared
Heffernan Insurance Brokers vs The Hartford: Crime Insurance: documented features by provider
| Criteria | Heffernan Home Care Crime Insurance | The Hartford 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. 1Company-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. | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. 2Company-reported. Management liability product page as read 2026-09-23. |
| 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. 1Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there. | The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. 2Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. 1Company-reported. Home Care Business Insurance page's coverage list. | The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 2Company-reported. Management liability product page as read 2026-09-23. |
