What Are the Key Differences Between Heffernan Insurance Brokers and USI Insurance Services Crime Insurance?
If your current management-liability coverage may have crime gaps, USI describes an ExecuSafe review. Heffernan instead ties crime to home-care packages and advises agencies to start at least 30 days before serving clients. [8] [3]
Home Care Versus Business-Services and ExecuSafe
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. USI brokers crime covering losses from employee theft and related fraud, either as a standalone placement or as part of a management-liability review under ExecuSafe. Neither reviewed page names the insurer. [3] [7] [8]
Care Occupations Versus Janitorial and Printing Trades
Heffernan markets this crime coverage 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. USI’s Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the exposures it addresses. Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond in the home-care package. [3] [7]
Practice Leaders Versus Claim Advocacy and Inboxes
USI’s Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across lines including crime, and ExecuSafe checks existing crime coverage for gaps. Home-care buyers contact Heffernan for a rate quote; USI splits business-services requests to a published inbox or local office and ExecuSafe requests to a separate Select Business inbox. Neither page publishes crime limits. [3] [7] [8]
What Should You Confirm in Heffernan Insurance Brokers and USI Insurance Services Crime Insurance Quotes?
- Confirm whether you need Heffernan’s home-care crime items or a USI crime placement for business-services or ExecuSafe. [3] [7] [8]
- Ask USI which inbox or office will handle the crime quote. [7] [8]
- Ask Heffernan for crime and bond limits separate from package cost ranges. [3]
- Get the writing company from both. [3] [7]