Heffernan vs Newfront: Commercial Crime Insurance

Heffernan fits home-care, home-health and hospice agencies seeking third-party theft cover in a package; Newfront serves private companies from seed stage and public companies but does not detail crime terms.

What Are the Key Differences Between Heffernan Insurance Brokers and Newfront Crime Insurance?

If you are not a home-care business, Heffernan’s reviewed crime offer does not describe coverage for your industry. Newfront’s Executive Risk practice reaches a wider company range, but you need its proposed form to see which crime losses it covers. [3] [4]

Home-Care Packages Versus Executive Risk Placement

Heffernan lists third-party theft inside home-care packages and does not describe a general commercial crime offering; Newfront groups Fidelity and Crime inside its broader Executive Risk practice for venture-backed and public companies. [3] [4]

Care Agencies Versus Funded and Public Companies

Heffernan targets home health, hospice, staffing and related care agencies of all sizes; Newfront says its Executive Risk practice serves private companies from seed through later funding and more than 500 public companies. [3] [4]

What Should You Confirm in Heffernan Insurance Brokers and Newfront Crime Insurance Quotes?

Confirm whether you need Heffernan’s home-care third-party theft and employee dishonesty bond or Newfront’s Executive Risk fidelity and crime placement. [3] [4]
Ask Newfront which agreements sit under Fidelity and Crime. [4]
Ask Heffernan for crime and bond limits separate from package cost ranges. [3]
Get the writing company from both. [3] [4]

Crime coverage

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 ↗

Newfront

role: Newfront brokers crime coverage as part of its Executive Risk practice, which it groups with fidelity coverage under one Key Coverages entry. It negotiates placement rather than underwriting the risk. Executive Risk offering page; crime and fidelity are listed together, not as separately described products.company-reportedSource ↗
insurer: The reviewed Executive Risk page does not name the insurer or insurers that would issue a crime policy placed through Newfront. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement.not-disclosedSource ↗
eligibility: Newfront says its Executive Risk practice services private companies from seed round through every series of funding, and describes work with over 500 publicly traded companies, without a crime-specific eligibility threshold. Here for the Long Run section; figures describe the executive-risk practice broadly, not crime coverage specifically.company-reportedSource ↗
coverage: Newfront lists "Fidelity and Crime" among the Key Coverages of its Executive Risk program. The page does not separately describe crime-specific insuring agreements such as employee theft, computer fraud or funds-transfer fraud. Executive Risk page Key Coverages list; crime and fidelity are bundled in one line item.company-reportedSource ↗
limits: Newfront's Executive Risk page does not publish limits or retentions for crime coverage. Executive Risk page as read on 2026-09-23.not-disclosedSource ↗
services: Newfront says clients get 24/7 access to their insurance program, including policies, certificates of insurance and billing, through its connected dashboard, and that renewal submissions use pre-populated historical data. Industry-Leading Technology section; described across Executive Risk lines, not crime-specific.company-reportedSource ↗
application: You start a crime coverage placement by requesting a consultation through Newfront's Executive Risk page. Executive Risk page call-to-action; no online quoting or binding described.company-reportedSource ↗
claims: Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a crime claim. The Newfront Difference section; described across Executive Risk lines, not a crime-specific claims workflow.company-reportedSource ↗

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
Executive Risk
Newfront · Key Coverages to Protect Your Business: Fidelity and Crime; Here for the Long Run: Private Companies and Public statistics; Industry-Leading Technology · accessed 2026-09-23
05
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
06
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
07
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