Heffernan Insurance Brokers vs Travelers 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.

Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ⁸Company-reported. Product page "What is fidelity and crime coverage?" section.

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.

The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ⁸Company-reported. Product page video legal footer.

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.

Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ⁸Company-reported. Product page "Who is fidelity and crime coverage right for?" section.

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.

Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. ⁸Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.

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.

The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. ⁸Not found in reviewed sources. Product page video statistics and general text as read on 2026-09-23.

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.

Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. ⁸Company-reported. Product page Resources section.

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.

Fidelity and crime coverage is bought through a Travelers independent agent. ⁸Company-reported. Product page "Find an insurance agent" call to action.