Heffernan vs Hub International: Fidelity Bonds

Heffernan Insurance Brokers places different fidelity bond options for home-care agencies and financial firms through insurers. HUB International places crime and fidelity coverage through its ProEx practice and directs buyers to a specialist.

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

Heffernan names fidelity products for home-care agencies and family offices; HUB ProEx lists Crime/Fidelity and financial-institution bonds with analytics and litigation support.

What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Fidelity Bonds?

Named Buyer Groups Versus ProEx Support

Heffernan lists an Employee Dishonesty Bond for home-care, home-health and hospice agencies, plus a Fidelity/financial-institution bond for family offices and related firms. HUB ProEx lists Crime/Fidelity and Financial Institution Bonds and describes analytics, litigation support and risk management. The reviewed HUB page gives no bond-specific eligibility criteria. [3] [2] [4] Choose Heffernan if you run a home-care agency or family office; choose HUB if you want ProEx analytics and litigation support.

Named Buyers Versus Unstated Eligibility

Heffernan names home care, home health and hospice agencies, plus family offices, trustees, advisors, private equity firms and foundations. HUB’s ProEx page does not publish size, industry or state criteria specific to these bonds. [3] [2] [4]

Services Around Claims and Risk

HUB says the ProEx team provides analytics, litigation support and risk-management for clients of all sizes. Heffernan’s claims-advocacy page lists workers’ compensation, general liability, auto and property, and does not describe fidelity or crime-bond claims handling. Neither reviewed source names an insurer or a bond penalty. HUB asks you to contact a ProEx specialist. [4] [1]

What Should You Confirm in Heffernan Insurance Brokers and HUB International Fidelity Bonds Quotes?

  • Ask Heffernan which of the two product names applies and which carrier would write it. [3] [2]
  • Ask HUB whether the quote is Crime/Fidelity, a financial institution bond, or both. [4]
  • Get penalty amounts and deductibles from both; the public pages omit them. [3] [4]
  • Ask each firm who advocates on a fidelity claim. [1] [4]

Crime coverage

Heffernan Insurance Brokers

  • role: Heffernan arranges fidelity-type bonds as one line within two specialty practices: an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial institution bond for family offices and financial firms. It places these bonds with insurers rather than issuing them itself. Home Care and Family Office practice-page listings; no dedicated fidelity-bond product page was found.company-reportedSource ↗Source ↗
  • eligibility: Heffernan lists fidelity-type bonds for two named buyer segments: home care, home health, and hospice agencies, and family offices, trustees, financial advisors, private equity firms, and foundations. Direct practice-page listings; no minimum size or other eligibility criteria for the bond specifically were published.company-reportedSource ↗Source ↗
  • coverage: Heffernan uses two different bond product names for its two client segments: "Employee Dishonesty Bond" for home-care agencies and "Fidelity/financial institution bond" for family offices and financial firms. Neither page describes the bond's insuring agreement, exclusions, or claim triggers. Home Care and Family Office pages as read on 2026-09-23.company-reportedSource ↗Source ↗
  • insurer: The reviewed pages do not name the insurer or bond underwriter for either the home-care Employee Dishonesty Bond or the family-office fidelity bond. Home Care and Family Office pages as read on 2026-09-23.not-disclosedSource ↗Source ↗
  • limits: Neither the home-care nor the family-office page publishes a bond penalty amount, limit, or deductible for the fidelity coverage. Home Care and Family Office pages as read on 2026-09-23.not-foundSource ↗Source ↗
  • services: Heffernan's published claims-advocacy services list workers' compensation, general liability, auto, and property claims support; fidelity or crime-bond claims handling is not described on that page. Claims Advocacy page as read on 2026-09-23; does not establish that fidelity-bond claims receive no support, only that this page does not describe it.not-foundSource ↗

HUB International

  • role: HUB places crime and fidelity bond coverage, including financial institution bonds, through its ProEx Professional & Executive Risk practice alongside other executive-liability and financial-institution lines, rather than underwriting these bonds itself. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for Crime/Fidelity or Financial Institution Bonds.company-reportedSource ↗
  • coverage: HUB's ProEx coverage list names "Crime / Fidelity" as an Executive Liability offering and "Financial Institution Bonds" as a separate Financial Institutions offering, but the page gives no further description of insuring agreements, covered dishonest-act scenarios or exclusions for either. ProEx page coverage list only; these are catalogue entries, not policy-form descriptions.company-reportedSource ↗
  • eligibility: No size, industry or state eligibility criteria specific to fidelity bonds or financial institution bonds were found on the ProEx page. Checked the ProEx page on 2026-09-23; these coverages are listed among many others without their own eligibility description.not-foundSource ↗
  • insurer: No insurer is named for Crime/Fidelity or Financial Institution Bonds on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. Checked the ProEx page on 2026-09-23.not-foundSource ↗
  • limits: Published bond penalty amounts, limits or retentions were not found on the ProEx page. Checked the ProEx page on 2026-09-23; bond amounts are set on the quote and declarations.not-disclosedSource ↗
  • services: HUB says its ProEx team, which lists Crime/Fidelity and Financial Institution Bonds among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. ProEx page team and services description; not specific to a single bond placement.company-reportedSource ↗
  • application: HUB directs prospects for these coverages to contact a ProEx specialist rather than an online quote or bind flow. ProEx page call to action.company-reportedSource ↗

Sources consulted

  1. 01
    Claims Advocacy

    Heffernan Insurance Brokers · Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance · accessed 2026-09-23

  2. 02
    Family Office

    Heffernan Insurance Brokers · Coverage for Family Offices, Trustees & Financial Firms: ... Trustee liability insurance, Property and auto insurance, Fiduciary liability insurance, Fidelity/financial institution bond, Cyber liability insurance, Crime insurance, General liability insurance · accessed 2026-09-23

  3. 03
    Home Care Business Insurance

    Heffernan Insurance Brokers · We offer comprehensive coverage for: ... Crime - Third Party Theft, Employee Dishonesty Bond, Cyber & Identity Theft, Medical Billing E&O, Property Coverage and more · accessed 2026-09-23

  4. 04
    HUB ProEx

    HUB International · ProEx Coverages list including Crime / Fidelity under Executive Liability and Financial Institution Bonds under Financial Institutions; Claims & Legal Support section; ProEx premium volume statement · accessed 2026-09-23

  5. 05
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Fidelity; Surety Bond · accessed 2026-09-16

  6. 06
    Crime Terms and Conditions

    Travelers Casualty and Surety Company of America · I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15 · accessed 2026-09-16

  7. 07
    Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements

    U.S. Department of Labor, Employee Benefits Security Administration · Q1–Q3 pp.2–3; Q2 pp.2–3 · accessed 2026-09-16

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