--- title: "Heffernan Insurance Brokers vs USI Insurance Services: Crime Insurance" description: "Heffernan fits home-care, home-health and hospice agencies seeking third-party theft cover in a package; USI names building, repair, janitorial, staffing and printing businesses and offers standalone crime or an ExecuSafe review." canonical: "https://spot.insure/compare/heffernan-vs-usi/crime" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "heffernan-vs-usi" provider-a: "heffernan" provider-b: "usi" coverage-line: "crime" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/heffernan-vs-usi/crime) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and USI Insurance Services 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 USI Insurance Services. 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 USI Insurance Services for Crime Insurance: how do they differ? - Which is better for Crime Insurance, Heffernan Insurance Brokers or USI Insurance Services? - What does Heffernan Insurance Brokers or USI Insurance Services publish about Crime Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Crime Insurance. Providers: Heffernan Insurance Brokers and USI Insurance Services. - 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 USI Insurance Services](https://spot.insure/compare/heffernan-vs-usi) — 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 - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile # Heffernan Insurance Brokers vs USI Insurance Services: How Do They Compare for Crime Insurance? For home care providers, Heffernan Insurance Brokers arranges crime cover inside its packages; USI Insurance Services brokers crime for janitorial, staffing, repair and printing companies, alone or within a management liability review. Heffernan documents crime only in home-care packages; USI names building, repair, janitorial, staffing and printing trades and can review existing crime through ExecuSafe. ## Heffernan Insurance Brokers vs USI Insurance Services Crime Insurance Summary Heffernan fits home-care, home-health and hospice agencies seeking third-party theft cover in a package; USI names building, repair, janitorial, staffing and printing businesses and offers standalone crime or an ExecuSafe review. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](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 Are the Key Differences Between Heffernan Insurance Brokers and USI Insurance Services Crime Insurance? If your current management-liability coverage may have crime gaps, USI describes an ExecuSafe review. Heffernan instead ties crime to home-care packages and advises agencies to start at least 30 days before serving clients. [3](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") [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business 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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](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 Should You Confirm in Heffernan Insurance Brokers and USI Insurance Services Crime Insurance Quotes? - Confirm whether you need Heffernan’s home-care crime items or a USI crime placement for business-services or ExecuSafe. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](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. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](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. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") - Get the writing company from both. [1](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") ## Heffernan Insurance Brokers vs USI Insurance Services Crime Compared | Criteria | Heffernan Home Care Crime Insurance | USI Crime Insurance Brokerage | | --- | --- | --- | | 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..) | 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. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Company description of client base..) | | 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..) | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](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..) | | 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..) | 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. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](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..) | | 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..) | 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. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](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..) | | 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..) | 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. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](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..) | ## About Heffernan Insurance Brokers and USI Insurance Services and Crime - [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews) - [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews) - [What Is Crime Insurance?](https://spot.insure/coverage/crime) ## Related Pages for Heffernan Insurance Brokers vs USI Insurance Services - [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 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) - [USI Insurance Services Crime Insurance](https://spot.insure/insurance-providers/usi/crime) ## Sources for Heffernan Insurance Brokers vs USI Insurance Services ### 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 USI Insurance Services 2. [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. 3. [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. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/heffernan-vs-usi/crime.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)