---
title: "CFC vs The Hartford: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-the-hartford/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-the-hartford"
provider-a: "cfc"
provider-b: "the-hartford"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-the-hartford/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of CFC and The Hartford for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about CFC versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs The Hartford for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, CFC or The Hartford?
- What does CFC or The Hartford publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: CFC and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 writes D&O for private, public and nonprofit organizations and can add it to a Business Owner's Policy, while CFC's management-liability package declines California-domiciled and US-listed companies.

## CFC vs The Hartford D&O Insurance Summary

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](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability")

### 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](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") 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](https://www.cfc.com/en-us/claims/ "Claims") [5](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask both for the limit; neither publishes one. Ask CFC for the extra individual limit and Side A DIC pricing. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [5](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask both which company would issue the policy. [3](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [5](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## CFC vs The Hartford D&O Insurance Compared

| 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. [2](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). [5](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. [2](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..)<br><br>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. [2](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..)<br><br>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. [1](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. [5](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..) |
| 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](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](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. [5](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..) |

## About CFC and The Hartford and D&O Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for CFC vs The Hartford D&O Insurance

- [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): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [CFC D&O Insurance](https://spot.insure/insurance-providers/cfc/directors-officers)
- [The Hartford D&O Insurance](https://spot.insure/insurance-providers/the-hartford/directors-officers)

## Sources for CFC vs The Hartford D&O Insurance

### Sources About CFC

1. [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.
2. [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.
3. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
4. [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.

### Sources About The Hartford

5. [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.

Updated 2026-09-29. 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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