--- title: "Heffernan Insurance Brokers vs USI Insurance Services Crime Insurance" description: "Heffernan documents crime in home-care packages; USI places crime for named business-services trades and checks existing crime inside ExecuSafe reviews." canonical: "https://spot.insure/compare/heffernan-vs-usi/crime" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/heffernan-vs-usi/crime) # Heffernan Insurance Brokers vs USI Insurance Services Crime Insurance Heffernan documents crime in home-care packages; USI places crime for named business-services trades and checks existing crime inside ExecuSafe reviews. ## Research Scope and Use Use this comparison to evaluate Heffernan Insurance Brokers and USI Insurance Services for Crime Insurance 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 arranges Crime – Third Party Theft inside home care, home health and hospice packages, and the reviewed sources do not describe a general commercial crime offering outside that context. USI brokers crime as a standalone placement or inside ExecuSafe management-liability reviews, and its Business Services practice lists crime for building and maintenance, repair, janitorial, staffing and printing companies. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## 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 USI Insurance Services? USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/commissions-fees/ "Commissions and Fees") [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) ## What Is Crime Insurance? Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") ## Key Differences in Crime Insurance ### Home Care Versus Business-Services and ExecuSafe 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. USI brokers crime covering losses from employee theft and related fraud, either as a standalone placement or as part of a management-liability review under ExecuSafe. Neither reviewed page names the insurer. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ### Care Occupations Versus Janitorial and Printing Trades Heffernan markets this crime coverage to home health providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says programs cover all states and agency sizes. USI’s Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the exposures it addresses. Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond in the home-care package. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") ### Practice Leaders Versus Claim Advocacy and Inboxes USI’s Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across lines including crime, and ExecuSafe checks existing crime coverage for gaps. Home-care buyers contact Heffernan for a rate quote; USI splits business-services requests to a published inbox or local office and ExecuSafe requests to a separate Select Business inbox. Neither page publishes crime limits. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## What to Confirm in Crime Insurance Quotes - Confirm whether you need Heffernan’s home-care crime items or a USI crime placement for business-services or ExecuSafe. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Ask USI which inbox or office will handle the crime quote. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Ask Heffernan for crime and bond limits separate from package cost ranges. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") - Get the writing company from both. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") ## Offering Details | Criteria | Heffernan Home Care Crime Insurance | USI Crime Insurance Brokerage | | --- | --- | --- | | 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. [4](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..) | USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Business Services catalogue and ExecuSafe article..) | | Issuing Insurer | The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) | Neither page names the insurer USI uses for crime placements. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | 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. [4](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..) | USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Company description of client base..) | | 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. [4](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..) | USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy..) | | Limits and Retentions | 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. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Not publicly disclosed; scope: Checked the Home Care Business Insurance page on 2026-09-23..) | Neither page publishes crime coverage limit or retention figures. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | 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. [4](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..) | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Combines the general Business Services service list with the ExecuSafe-specific review step..) | | 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. [4](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..) | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Contact instructions on each page..) | ## Full Comparison - [Heffernan Insurance Brokers vs USI Insurance Services](https://spot.insure/compare/heffernan-vs-usi): all coverage lines, business roles, service and claims. - [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud. - [Heffernan Insurance Brokers vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-usi/commercial-property) - [Heffernan Insurance Brokers vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/heffernan-vs-usi/cyber) - [Heffernan Insurance Brokers vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/heffernan-vs-usi/employee-health-benefits) - [Heffernan Insurance Brokers vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-usi/employment-practices) - [Heffernan Insurance Brokers vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-usi/fiduciary) - [Heffernan Insurance Brokers vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/heffernan-vs-usi/medical-malpractice) - [Heffernan Insurance Brokers vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-usi/professional-errors-omissions) - [Heffernan Insurance Brokers vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/heffernan-vs-usi/representations-warranties) - [Heffernan Insurance Brokers vs USI Insurance Services Surety Bonds](https://spot.insure/compare/heffernan-vs-usi/surety-bonds) - [Heffernan Insurance Brokers vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-usi/workers-compensation) - [Alliance Risk vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/crime) - [Alliance Risk vs USI Insurance Services Crime Insurance](https://spot.insure/compare/alliance-risk-vs-usi/crime) - [Beazley vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/beazley-vs-heffernan/crime) - [Beazley vs USI Insurance Services Crime Insurance](https://spot.insure/compare/beazley-vs-usi/crime) - [CFC vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/cfc-vs-heffernan/crime) - [CFC vs USI Insurance Services Crime Insurance](https://spot.insure/compare/cfc-vs-usi/crime) ## 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; 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. ### USI Insurance Services 5. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 6. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16. 7. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 8. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Crime.... Accessed 2026-09-23. 9. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. Accessed 2026-09-23. ### Crime Insurance Guide 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. 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). 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