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

Heffernan Insurance Brokers packages crime cover for home care and hospice businesses; Travelers underwrites fidelity and crime for nonprofit, private and public companies, bought through an independent agent.

Heffernan fits home-care, home-health and hospice agencies seeking third-party theft cover in a package; Travelers serves private, public and nonprofit companies with multiple crime agreements and an optional social-engineering endorsement. ^1,²

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

Travelers lists employee dishonesty, funds-transfer fraud, computer fraud and social-engineering fraud. Compare the issued agreements for your specific losses. ² ¹

Home-Care Placement Versus Travelers as Writer

Heffernan arranges crime listed as Crime – Third Party Theft inside packages for home care, home health and hospice businesses; the reviewed sources do not describe a general commercial crime offering outside home care. Travelers underwrites fidelity and crime through multiple insuring agreements sold under Management & Professional Liability rather than as a single fixed policy. Travelers’ product-page video disclosure names Travelers Casualty and Surety Company of America and property casualty affiliates; Heffernan’s home-care page does not name the insurer. ¹ ²

Bond in a Package Versus Named Agreements

Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond in the home-care package. Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against employee dishonesty and theft, funds-transfer fraud, computer fraud, employee fraud and social-engineering fraud. Travelers offers a social-engineering fraud endorsement and publishes Coverage 101 and social-engineering protection resources. ¹ ²

Agency Lead Time Versus Independent Agents

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 begin at least 30 days before working with clients. Travelers markets fidelity and crime to nonprofit organizations, private companies and public companies, and the coverage is bought through a Travelers independent agent. Neither reviewed page publishes crime limits or deductibles. ¹ ²

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

Confirm whether you need Heffernan’s home-care crime and employee dishonesty bond or a Travelers fidelity and crime policy. ¹ ²
Ask Travelers which insuring agreements are bound and whether the social-engineering endorsement is included. ²
Ask Heffernan for crime and bond limits separate from package cost ranges. ¹
Confirm which Travelers entity would issue the policy versus the unnamed carrier on a Heffernan placement. ² ¹

Heffernan Insurance Brokers vs Travelers Crime Insurance Compared

Heffernan Insurance Brokers vs Travelers: Crime Insurance: documented features by provider

Criteria	Heffernan Home Care Crime Insurance	Travelers Fidelity & 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.	Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ²Company-reported. Product page "Who is fidelity and crime coverage right for?" section.
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. ¹Company-reported. Home Care Business Insurance page's cost-and-timing section.	Fidelity and crime coverage is bought through a Travelers independent agent. ²Company-reported. Product page "Find an insurance agent" call to action.
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.	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. ²Company-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.
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.	Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ²Company-reported. Product page "What is fidelity and crime coverage?" section.
Risk Services	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. ¹Company-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. ²Company-reported. Product page Resources section.