Heffernan vs Riskcube: Commercial Crime Insurance

Heffernan Insurance Brokers serves home care and hospice businesses with a free rate quote; RiskCube brokers for startups, with a roughly 10-minute intake and an aim of proof of coverage in about 24 hours.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-25

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

RiskCube’s 24-hour target is for vendor-ready proof across catalogue lines, not a stated crime-policy binding time. [5] [3]

Home-Care Packages Versus Startup Catalogue

Heffernan arranges crime listed as Crime – Third Party Theft inside packages for home care, home health and hospice businesses; the reviewed sources do not describe a general commercial crime offering outside home care. RiskCube brokers commercial crime as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting. RiskCube’s disclosures say it is not an insurance carrier and that commercial crime is issued by unnamed third-party carriers. Heffernan’s home-care page also does not name the insurer. [3] [5] [4]

Thirty-Day Agency Quote Versus 10-Minute Intake

Heffernan tells home-care businesses to begin the insurance application at least 30 days before working with clients and to contact Heffernan for a free rate quote because rates vary by state. RiskCube describes a roughly 10-minute digital intake followed by AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across catalogue types including commercial crime. [3] [5]

Who Each Page Names and What Perils Appear

Heffernan markets this crime coverage to home health providers, hospices, staffing agencies, infusion therapy providers and personal care assistants, and lists Crime – Third Party Theft plus an Employee Dishonesty Bond in the package. RiskCube describes commercial crime as protecting a startup against losses from employee theft, fraud, forgery and social-engineering attacks, and calls it essential for startups handling client funds, payment data or operating with a distributed team. Neither page publishes specific crime limits. RiskCube’s catalogue does not describe crime-specific risk-control services. [3] [5]

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

  • Confirm whether you need Heffernan’s home-care crime and bond items or RiskCube’s startup commercial crime placement. [3] [5]
  • Ask RiskCube which carrier it compared and whether the 24-hour timeline applies. [5] [4]
  • Ask Heffernan for crime and bond limits and confirm the 30-day lead time. [3]
  • Confirm whether social-engineering attacks, which RiskCube lists, appear on the Heffernan-placed forms. [5] [3]

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 ↗

RiskCube

  • role: RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23.company-reportedSource ↗
  • insurer: RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically.company-reportedSource ↗
  • coverage: RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. Catalogue Commercial Crime card summary.company-reportedSource ↗
  • eligibility: RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." Catalogue Commercial Crime card.company-reportedSource ↗
  • limits: RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table.not-disclosedSource ↗
  • application: RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific.company-reportedSource ↗
  • services: The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.not-foundSource ↗
  • claims: The reviewed catalogue page does not describe claims handling specific to commercial crime. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.not-foundSource ↗

Heffernan fits home-care agencies that can plan at least 30 days before serving clients; RiskCube targets startups seeking a short digital intake and proof within about 24 hours, but publishes no crime limit.

Sources consulted

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  2. 02
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  3. 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

  4. 04
    Disclosures & Compensation

    RiskCube · Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers" · accessed 2026-09-23

  5. 05
    Startup Insurance Coverage

    RiskCube · Commercial Crime card: "Protects your startup from financial losses caused by employee theft, fraud, forgery, and social engineering attacks. Essential for startups handling client funds, payment data, or operating with a distributed team"; catalogue intro and process steps · accessed 2026-09-23

  6. 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

  7. 07
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  8. 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

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