What Are the Key Differences Between Heffernan Insurance Brokers and Liberty Mutual Crime Insurance?
Home-Care Package or Management-Liability Package
Heffernan lists “Crime – Third Party Theft” and a separate Employee Dishonesty Bond inside its home-care insurance package. That makes its documented route specific to home health, hospice, and related care organizations. Liberty Mutual puts crime in ProShield, its package for private and not-for-profit organizations, so a buyer looking for several management-liability lines may consider crime alongside those other protections. [3] [4]
Different Publicly Described Fraud Examples
Liberty Mutual names employee dishonesty, embezzlement, safe burglary, and computer fraud among ProShield’s crime exposures. Heffernan’s home-care page names third-party theft and employee dishonesty as separate items, but does not specify the mechanics of either. A care provider should ask Heffernan how its wording treats employee theft versus theft by clients or other outsiders; a ProShield buyer should match the listed examples to its own fraud scenarios. [4] [3]
Buyer Fit and Quote Timing
Heffernan says its home-care program serves agencies of all sizes across states and asks businesses to start at least 30 days before serving clients. Liberty Mutual identifies private and nonprofit organizations as ProShield’s audience but does not establish a specific organization's eligibility. A home-care agency can use Heffernan’s stated lead time for planning; other organizations should ask Liberty Mutual whether their structure fits ProShield. [3] [3] [4]
What Should You Confirm in Heffernan Insurance Brokers and Liberty Mutual Crime Insurance Quotes?
- Ask Heffernan for the crime form and how the separate Employee Dishonesty Bond coordinates with the listed third-party theft coverage. [3]
- Ask Liberty Mutual for the ProShield form and schedule showing the crime limit, deductible, and any sublimits for computer fraud or safe burglary. [4]
- Ask Heffernan to identify the issuing insurer and ask Liberty Mutual which insurer would issue your ProShield policy; then compare their forms against your employee, vendor, and client-related loss scenarios. [3] [4]