CFC vs The Hartford: How Do They Compare for D&O Insurance?

The Hartford offers D&O in Private Choice Premier or as a Business Owner’s Policy add-on; CFC includes D&O in its US management-liability package and separately offers Side A DIC excess cover.

The Hartford offers D&O to private, public and nonprofit organizations, either in its Private Choice Premier package or added to a Business Owner's Policy. CFC offers D&O only inside its US Management Liability package, which declines California-domiciled and US publicly traded companies. ^1,^2,⁵

What Are the Key Differences Between CFC and The Hartford D&O Insurance?

Who Each Will Insure

Both are insurers selling D&O as part of a package. The Hartford's D&O is one of five options in Private Choice Premier or an add-on to a Business Owner's Policy, and it runs separate tracks for nonprofits, publicly traded and privately held companies. CFC's brochure declines US publicly traded companies and California-domiciled businesses. ⁵ ¹ ² Choose The Hartford if you are public, a nonprofit, California-domiciled, or already have a Hartford Business Owner's Policy; choose CFC if you are an eligible private company that wants Side A excess above an existing D&O program. ⁵ ¹

Extra Protection for Individual Directors

CFC sells a separate Side A DIC policy and adds an extra limit for individuals, though it doesn't state the amount; it also covers the company itself. The Hartford describes D&O paying legal fees for claims from employees, vendors, competitors, investors or customers, but its page mentions neither Side A DIC nor an extra limit for individuals. ¹ ² ⁵ If protecting directors' personal assets is your main worry, CFC documents more.

Clearer Claims Path at CFC

CFC lets you report a US claim by phone, email or online form and assigns a dedicated adjuster. The Hartford's management-liability page describes no D&O claims process. ⁴ ⁵

What Should You Confirm in CFC and The Hartford D&O Insurance Quotes?

If you are publicly traded or California-domiciled, ask CFC whether the package is available at all. ²
Ask The Hartford whether your D&O would sit in Private Choice Premier or on a Business Owner's Policy, and which track you'd be on. ⁵
Ask both for the limit; neither publishes one. Ask CFC for the extra individual limit and Side A DIC pricing. ² ¹ ⁵
Ask both which company would issue the policy. ³ ⁵

CFC vs The Hartford D&O Insurance Compared

CFC vs The Hartford: D&O Insurance: documented features by provider

Criteria	CFC Directors & Officers Liability	The Hartford Directors and Officers Insurance (D&O)
Who It’s For	CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. ²Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.	The Hartford's management-liability coverages, including D&O, are offered to nonprofit organizations, publicly traded companies and privately-held companies, with a separate management and professional liability track for financial institutions (adviser D&O, private fund liability, registered fund liability, among others). ⁵Company-reported. Management liability product page as read 2026-09-23.
Coverage Features	CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. ²Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms. CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. ²Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages. CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. ¹Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here.	The Hartford says D&O helps protect directors and officers from mistakes or wrongful acts in managing the company, covering legal fees for claims from employees, vendors, competitors, investors or customers; its example is an employee suing for wrongful termination. ⁵Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. ^1,²Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it.	The Hartford's D&O coverage is one of five options in its Private Choice Premier management-liability package, and can also be added to a Business Owner's Policy. ⁵Company-reported. Management liability product page as read 2026-09-23.

Criteria

CFC Directors & Officers Liability

The Hartford Directors and Officers Insurance (D&O)

Who It’s For

CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. ²Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.

The Hartford's management-liability coverages, including D&O, are offered to nonprofit organizations, publicly traded companies and privately-held companies, with a separate management and professional liability track for financial institutions (adviser D&O, private fund liability, registered fund liability, among others). ⁵Company-reported. Management liability product page as read 2026-09-23.

Coverage Features

CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. ²Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms.

CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. ²Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages.

CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. ¹Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here.

The Hartford says D&O helps protect directors and officers from mistakes or wrongful acts in managing the company, covering legal fees for claims from employees, vendors, competitors, investors or customers; its example is an employee suing for wrongful termination. ⁵Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

Role in This Line

CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. ^1,²Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it.

The Hartford's D&O coverage is one of five options in its Private Choice Premier management-liability package, and can also be added to a Business Owner's Policy. ⁵Company-reported. Management liability product page as read 2026-09-23.