---
title: "CFC vs The Hartford D&O Insurance"
description: "CFC’s US management-liability D&O declines California-domiciled and US public companies; The Hartford’s D&O sits in Private Choice Premier and is also offered to public and nonprofit buyers."
canonical: "https://spot.insure/compare/cfc-vs-the-hartford/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---
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# CFC vs The Hartford D&O Insurance
CFC’s US management-liability D&O declines California-domiciled and US public companies; The Hartford’s D&O sits in Private Choice Premier and is also offered to public and nonprofit buyers.
## Research Scope and Use
Use this comparison to evaluate CFC and The Hartford for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.
## Summary
CFC includes D&O inside its US Management Liability package and lists California-domiciled business and US publicly traded companies among declined risks. The Hartford’s D&O coverage is one of five options in Private Choice Premier, can also be added to a Business Owner’s Policy, and is offered to nonprofit, publicly traded and privately held companies. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
## What Is CFC Insurance?
CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")
[CFC profile](https://spot.insure/insurance-providers/cfc)
## What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [8](https://www.thehartford.com/legal-notice "Legal Notice") [9](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [10](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")
[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)
## What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [12](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")
## Key Differences in D&O Insurance
### Two Carrier Packages, Different Public-Company Rules
CFC includes directors and officers liability inside its US Management Liability package. The Hartford’s D&O coverage is one of five options in Private Choice Premier and can also be added to a Business Owner’s Policy. CFC’s brochure lists US publicly traded companies and California-domiciled business among declined package risks. The Hartford offers management-liability coverages, including D&O, to nonprofit organizations, publicly traded companies and privately held companies, with a separate management and professional liability track for some buyers. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
### Side A DIC Versus Claim-Example Language
CFC separately sells Side A DIC, lists an additional insured-persons limit without a dollar amount, and says the cover includes the entity and aims to keep directors from selling personal assets for defense. 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 reviewed page does not describe Side A DIC or an additional insured-persons limit. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
### Claims Notification
CFC provides a US claim-notification route by phone, email and online form with a dedicated adjuster. The Hartford’s reviewed management-liability page does not describe a D&O-specific claims intake path. Neither reviewed set publishes a D&O limit figure. [7](https://www.cfc.com/en-us/claims/ "Claims") [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
## What to Confirm in D&O Insurance Quotes
- If you are US publicly traded or California-domiciled, ask CFC whether the package is available; ask The Hartford which public, private or nonprofit track you would be on. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask The Hartford whether D&O would sit in Private Choice Premier or on a Business Owner’s Policy. [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask CFC for the additional insured-persons amount and Side A DIC. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability")
- Get the issuing legal entity on both quotes. [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
## Offering Details
| Criteria | CFC Directors & Officers Liability | The Hartford Directors and Officers Insurance (D&O) |
| --- | --- | --- |
| 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. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |
| Issuing Insurer | 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](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: Regulatory information page and brochure as read on 2026-09-23..) | Not described in the reviewed sources. |
| 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. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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). [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: 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. [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| Limits and Retentions | 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. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: Brochure as read on 2026-09-23..) | Not described in the reviewed sources. |
| Claims Support | 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. [7](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: Claims page as read on 2026-09-23; not specific to D&O claim outcomes or timing..) | Not described in the reviewed sources. |
## Full Comparison
- [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [CFC vs The Hartford Commercial Property Insurance](https://spot.insure/compare/cfc-vs-the-hartford/commercial-property)
- [CFC vs The Hartford Crime Insurance](https://spot.insure/compare/cfc-vs-the-hartford/crime)
- [CFC vs The Hartford Cyber Insurance](https://spot.insure/compare/cfc-vs-the-hartford/cyber)
- [CFC vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-the-hartford/employment-practices)
- [CFC vs The Hartford General Liability Insurance](https://spot.insure/compare/cfc-vs-the-hartford/general-liability)
- [CFC vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-the-hartford/kidnap-ransom)
- [CFC vs The Hartford Management Liability Insurance](https://spot.insure/compare/cfc-vs-the-hartford/management-liability)
- [CFC vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-the-hartford/professional-errors-omissions)
- [CFC vs The Hartford Tech E&O Insurance](https://spot.insure/compare/cfc-vs-the-hartford/technology-errors-omissions)
- [Alliance Risk vs CFC D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/directors-officers)
- [Alliance Risk vs The Hartford D&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/directors-officers)
- [Amelia Risk vs CFC D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/directors-officers)
- [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers)
- [Beazley vs CFC D&O Insurance](https://spot.insure/compare/beazley-vs-cfc/directors-officers)
- [Beazley vs The Hartford D&O Insurance](https://spot.insure/compare/beazley-vs-the-hartford/directors-officers)
## Sources
### CFC
1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
6. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Directors and officers cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
7. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.
### The Hartford
8. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
9. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
10. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
11. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Directors and Officers Insurance (D&O) section; Who Does Management Liability Insurance Protect?; Management Liability Insurance for Nonprofit/Publicly Traded/Financial Institutions organizations. Accessed 2026-09-23.
### D&O Insurance Guide
12. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.
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