Baldwin vs Heffernan: Commercial Crime Insurance

The Baldwin Group describes crime as a coverage option in commercial programs; Heffernan identifies third-party theft and an employee dishonesty bond for home-care businesses.

Sources consulted

01
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
02
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
03
Home Care Business Insurance
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
04
Commercial Real Estate Insurance & Risk Management
The Baldwin Group · “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29. · accessed 2026-09-30
05
Professional Liability Insurance & Services
The Baldwin Group · Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29. · accessed 2026-09-30
06
Crime Terms and Conditions
The Travelers Companies, Inc. · I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15 · accessed 2026-09-16
07
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
08
Commercial Crime Coverage Application
Travelers Casualty and Surety Company of America · I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3 · accessed 2026-09-16

What Are the Key Differences Between The Baldwin Group and Heffernan Insurance Brokers Crime Insurance?

Scope and stated protection

The Baldwin Group lists commercial crime or crime and fidelity options for professional-services and real-estate clients, but its record does not specify covered losses. Heffernan names “Crime – Third Party Theft” and a separate Employee Dishonesty Bond in its home-care package, giving home-health agencies a more concrete starting point for a quote. [5] [3]

Who the offer addresses

The Baldwin Group’s reviewed material identifies firms and property organizations among its commercial clients. Heffernan targets home health, hospice, staffing, infusion and personal-care providers, and says its home-care programs span states and agency sizes. A home-care buyer can ask Heffernan about its packaged route, while another business should ask Baldwin which crime form fits its sector. [5] [3]

What Should You Confirm in The Baldwin Group and Heffernan Insurance Brokers Crime Insurance Quotes?

Ask Baldwin which employee and third-party losses, limits and retentions appear in the proposed crime form.
Ask Heffernan whether the third-party theft coverage and Employee Dishonesty Bond have separate limits and what each excludes.

Crime coverage

The Baldwin Group

role: The source describes The Baldwin Group’s brokerage or advisory role for Commercial Crime. It does not identify Baldwin as the risk-bearing insurer for a particular placement. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement.company-reportedSource ↗Source ↗
eligibility: Baldwin’s professional-services and real-estate pages identify firms and property organizations as clients whose programs may include crime coverage. This does not determine an applicant’s underwriting eligibility. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.company-reportedSource ↗Source ↗
coverage: Baldwin lists commercial crime or crime/fidelity as insurance options for the cited commercial sectors. It does not describe a specific crime policy, covered loss trigger, limit or exclusion. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown.company-reportedSource ↗Source ↗
services: Baldwin describes tailored commercial risk guidance, policy planning and claims advocacy for the named practices. It does not claim to adjudicate a carrier’s crime-policy claim. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.company-reportedSource ↗Source ↗
limits: The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. No buyer quote, binder, policy or bond form was available in the reviewed public sources.not-disclosedSource ↗Source ↗

Heffernan Insurance Brokers

role: 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. Home Care Business Insurance page's coverage list.company-reportedSource ↗
eligibility: 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. 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.company-reportedSource ↗
coverage: 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. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there.company-reportedSource ↗
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. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections.company-reportedSource ↗
application: 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. Home Care Business Insurance page's cost-and-timing section.company-reportedSource ↗
limits: 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. Checked the Home Care Business Insurance page on 2026-09-23.not-disclosedSource ↗
insurer: The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.not-disclosedSource ↗