What Are the Key Differences Between Heffernan Insurance Brokers and Marsh Fidelity Bonds?
Named Bonds Versus Crime Coverage
Heffernan lists an Employee Dishonesty Bond for home-care agencies and a Fidelity/financial-institution bond for family offices. Marsh’s pages group fidelity with commercial crime rather than listing a standalone bond; MMA presents commercial crime/fidelity together. Marsh says employee-fidelity losses account for about half of crime-policy notifications in its data. [3] [2] [5] [4] Choose Heffernan if you are a home-care agency or family office; choose Marsh if you want employee-fidelity discussed within a broader crime program.
What Each Description Emphasizes
Heffernan’s pages name the products but do not describe insuring agreements, exclusions or claim triggers. Marsh describes employee white-collar fraud by trusted staff who exploit systems for personal gain, and says those fidelity losses make up about half of crime-policy notifications in its data. [3] [2] [4]
Who You Talk To
Heffernan’s listings sit on home-care and family-office practice pages. Marsh’s reviewed pages send you to a Marsh or MMA crime-and-fidelity specialist because the cover is placed with commercial crime. Neither names the issuing insurer. [3] [2] [4] [5]
What Should You Confirm in Heffernan Insurance Brokers and Marsh Fidelity Bonds Quotes?
- Ask Heffernan which listed product applies if you are neither a home-care agency nor a family office. [3] [2]
- Ask Marsh whether the placement is a crime policy, a fidelity or FI bond, or both. [4] [5]
- Compare who the bond protects: Heffernan’s home-care wording versus Marsh’s employee-fraud-against-the-business framing. [3] [4]
- Get carrier, penalty and claims contact from both. [2] [4]