What Are the Key Differences Between Embroker and Heffernan Insurance Brokers Crime Insurance?
Embroker lists broader commercial crime and exclusions such as income loss and executive-employee collusion. [4] [3]
General Commercial Crime Versus Home-Care Listing
Embroker sells commercial crime as a standalone policy and notes that smaller businesses sometimes add it to a BOP or D&O policy. Heffernan lists Crime – Third Party Theft as part of packages for home care, home health and hospice; the reviewed sources do not describe a general commercial crime offering outside that context. [3] [4]
Who Each Page Addresses
Embroker flags businesses with part-time staff, cash, inventory or expensive equipment, or customer data as more exposed. Heffernan markets the listing 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. [3] [4]
Perils, Bonds and Timing
Embroker lists employee theft including shoplifting, third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud, plus named exclusions, and distinguishes customer-reimbursing fidelity bonds from crime policies. Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond beside workers’ compensation, liability and cyber, without those peril or exclusion details. Heffernan tells home-care firms to begin at least 30 days before working with clients. Embroker’s crime page uses a general Get a Quote link. Neither page names an issuer or publishes crime limits. [3] [4]
What Should You Confirm in Embroker and Heffernan Insurance Brokers Crime Insurance Quotes?
- If you are not in home care, ask Heffernan whether crime is available outside that package. [4]
- Ask Embroker whether the quote is standalone crime, an endorsement, or a fidelity bond. [3]
- Ask Heffernan how third-party theft crime and the employee dishonesty bond sit together. [4]
- Compare Embroker’s income-loss and collusion exclusions with Heffernan’s bound home-care forms. [3] [4]