What Are the Key Differences Between Heffernan Insurance Brokers and The Hartford Crime Insurance?
If you are a public company or nonprofit, The Hartford explicitly names those buyers for its Private Choice Premier crime option; financial institutions have a separate bond and commercial-crime track. Heffernan’s page focuses on care agencies and does not publish crime limits. [4] [3]
Brokered Home-Care Item Versus Hartford as Insurer
Heffernan arranges crime listed as Crime – Third Party Theft as part of packages for home care, home health and hospice businesses; the reviewed sources do not describe a general commercial crime offering outside home care, and the home-care page does not name the insurer. The Hartford’s crime insurance is one of five options in Private Choice Premier and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. [3] [4]
Package Theft Versus Register Theft Example
Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond among home-care package coverages, alongside workers’ compensation, general and professional liability, and cyber and identity-theft coverage. The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. [3] [4]
Care Agencies Versus Management-Liability Buyers
Heffernan markets this crime coverage to home health providers, hospices, staffing agencies, infusion therapy providers and personal care assistants, says programs cover all states and agency sizes, and tells agencies to begin at least 30 days before working with clients. The Hartford’s crime coverage is available to nonprofit organizations, publicly traded companies and privately held companies as part of its management-liability lineup. Heffernan’s page does not publish specific crime or bond amounts. [3] [4]
What Should You Confirm in Heffernan Insurance Brokers and The Hartford Crime Insurance Quotes?
- Confirm whether you need Heffernan’s home-care crime items or Hartford crime inside Private Choice Premier or the financial-institutions track. [3] [4]
- Ask The Hartford which track the quote uses. [4]
- Ask Heffernan for crime and bond limits separate from package cost ranges. [3]
- Get the writing company on the Heffernan placement. [3]