CFC vs The Hartford D&O Insurance

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. ^5,6Company-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. ¹¹Company-reported. Management liability product page as read 2026-09-23.

CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US D&O policy. ^4,6Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23.

Not described in the reviewed sources.

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. ⁶Company-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). ¹¹Company-reported. Management liability product page as read 2026-09-23.

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. ⁶Company-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. ⁶Company-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. ⁵Company-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. ¹¹Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

The reviewed brochure does not publish a specific dollar limit, retention, or the size of the additional insured-persons limit for D&O. Those figures appear only on the quote and declarations. ⁶Not publicly disclosed. Brochure as read on 2026-09-23.

Not described in the reviewed sources.

CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. ⁷Company-reported. Claims page as read on 2026-09-23; not specific to D&O claim outcomes or timing.

Not described in the reviewed sources.