---
title: "Heffernan Insurance Brokers vs Travelers: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/heffernan-vs-travelers/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-travelers"
provider-a: "heffernan"
provider-b: "travelers"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-travelers/crime)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Travelers for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Heffernan Insurance Brokers versus Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Heffernan Insurance Brokers vs Travelers for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Heffernan Insurance Brokers or Travelers?
- What does Heffernan Insurance Brokers or Travelers publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Heffernan Insurance Brokers and Travelers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Heffernan Insurance Brokers vs Travelers](https://spot.insure/compare/heffernan-vs-travelers) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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 documents crime only in home-care packages; Travelers serves public, private and nonprofit companies through independent agents with multiple crime agreements.

## Heffernan Insurance Brokers vs Travelers Crime Insurance Summary

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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## 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](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

### 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")
- Ask Travelers which insuring agreements are bound and whether the social-engineering endorsement is included. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")
- Ask Heffernan for crime and bond limits separate from package cost ranges. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Confirm which Travelers entity would issue the policy versus the unnamed carrier on a Heffernan placement. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## Heffernan Insurance Brokers vs Travelers Crime Insurance Compared

| 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Home Care Business Insurance page's cost-and-timing section..) | Fidelity and crime coverage is bought through a Travelers independent agent. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: Product page Resources section..) |

## About Heffernan Insurance Brokers and Travelers and Crime Insurance

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Heffernan Insurance Brokers vs Travelers Crime

- [Heffernan Insurance Brokers vs Travelers](https://spot.insure/compare/heffernan-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Heffernan Insurance Brokers Crime Insurance](https://spot.insure/insurance-providers/heffernan/crime)
- [Travelers Crime Insurance](https://spot.insure/insurance-providers/travelers/crime)

## Sources for Heffernan Insurance Brokers vs Travelers Crime Insurance

### Sources About Heffernan Insurance Brokers

1. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; Insurance for Home Care Businesses, Home Health, and Hospices: covering all states and agency sizes; 'We offer comprehensive coverage for' list including Crime – Third Party Theft and Employee Dishonesty Bond; Home Care Insurance Cost for Start-ups; practice-leader contacts. Accessed 2026-09-23.

### Sources About Travelers

2. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; What is fidelity and crime coverage?; Who is fidelity and crime coverage right for?; Types of fidelity and crime claims; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.

Updated 2026-09-25. 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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