Heffernan vs Zurich: Commercial Crime Insurance

Heffernan’s crime coverage appears in home-care programs as third-party theft and a separate employee dishonesty bond. Zurich describes commercial crime coverage for public and private companies, including employee theft, forgery and electronic fraud.

What Are the Key Differences Between Heffernan Insurance Brokers and Zurich U.S. Crime Insurance?

Home-care package versus broader commercial placement

Heffernan lists “Crime – Third Party Theft” and an “Employee Dishonesty Bond” in its home-care insurance package, which it markets to home health, hospice and related providers. Zurich offers commercial crime as a standalone policy or package solution for public and private companies. Home-care operators should check whether Heffernan’s two listed items address the same employee and outside-party losses as Zurich’s proposed form. [3] [7]

Fraud mechanisms described

Zurich describes employee theft or forgery and separately defines computer fraud and fraudulent funds-transfer instructions. Heffernan’s reviewed home-care description names third-party theft and an employee dishonesty bond without describing electronic-transfer terms. That leaves a specific question for agencies paying caregivers or vendors electronically: which transfer and impersonation losses, if any, are included in the quoted Heffernan package? [3] [7]

Timing and underwriting details

Heffernan asks home-care businesses to begin applying at least 30 days before serving clients and says rates vary by state; Zurich’s crime description identifies policy formats but not an application timeline. The timing may matter when launching an agency. Ask Heffernan which carrier and limits apply, and Zurich what lead time applies to the selected form. [3] [7]

What Should You Confirm in Heffernan Insurance Brokers and Zurich U.S. Crime Insurance Quotes?

Ask Heffernan whether its home-care package includes computer fraud and funds-transfer fraud, beyond the listed third-party theft and employee dishonesty items. [3] [7]
Ask both for the issuing insurer, crime limits and whether the employee bond and crime policy respond separately. [3] [7]

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 ↗

Zurich U.S.

eligibility: Zurich offers commercial crime insurance as standalone policies and as package solutions for public and private companies. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Product structure and company class only; terms, underwriting and availability vary.company-reportedSource ↗
coverage: Zurich describes employee-theft coverage for direct loss or damage to money, securities or property caused by employee theft or forgery. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Summary only; form definitions, exclusions, limits and conditions control.company-reportedSource ↗
coverage: Zurich describes computer-fraud losses as loss of or damage to money, securities or property resulting directly from computer use to fraudulently cause a transfer originating from the insured’s business or banking premises. It separately describes Funds Transfer Fraud as direct loss of money or securities from fraudulent instructions to a financial institution to transfer funds from the insured’s transfer account. Policy forms govern. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. These are the page’s summary descriptions, not policy definitions. Actual definitions, causation requirements, exclusions and limits are in policy forms.company-reportedSource ↗
services: Zurich Resilience Solutions offers crime-risk assessment services intended to identify vulnerabilities, followed by specialist recommendations for crime resilience. Zurich U.S. brand; exact risk-service provider/issuer relationship not mapped; Commercial Crime Insurance risk-assessment service; United States. Company-described service; no guarantee of loss prevention and no insured coverage grant.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
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
05
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
06
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
07
Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.
Zurich U.S. · Crime product, standalone/package availability, loss examples, risk assessment services · accessed 2026-09-28