CFC vs The Hartford: How Do They Compare for Management Liability Insurance?

The Hartford's five-coverage Private Choice Premier is bought through a local agent and serves nonprofit, public and private companies; CFC's US package declines US publicly traded companies.

Public companies, nonprofits and private firms can consider The Hartford’s five-part package and Premier Excess; eligible businesses needing executive cyber, reputation protection or court attendance can compare CFC, which excludes U.S. public and California-based companies. ^5,^1,²

What Are the Key Differences Between CFC and The Hartford Management Liability Insurance?

Who Can Buy

CFC lists US publicly traded companies and California-domiciled businesses among the risks it declines for this package. The Hartford offers management liability to public and private companies, nonprofits, financial institutions and general partners, and doesn't state a California decline. Choose The Hartford if you're publicly traded, a nonprofit or a financial institution; choose CFC if you're a private company outside California that wants executive cyber and reputation cover in the same package. ² ⁵

What's in the Package

Both include D&O, EPL, fiduciary, crime and kidnap and ransom. CFC adds executive cyber, executive reputation protection and court attendance, and sells a separate Side A DIC policy (extra cover for directors personally when the company can't pay). The Hartford offers Premier Excess above its limits and says some coverages can be added to a Business Owner's Policy. Neither publishes package limits. ² ¹ ⁵

Buying and Claims

CFC directs buyers to its US product team, publishes claims notice channels, and describes a dedicated claims adjuster and reputation specialists. The Hartford points you to a local agent or a BOP quote, with no self-serve purchase for the full package. ¹ ⁴ ⁵

What Should You Confirm in CFC and The Hartford Management Liability Insurance Quotes?

If you're public or based in California, don't request CFC's package; it declines both. ²
Ask The Hartford whether Premier Excess or a BOP add-on applies to you; ask CFC whether executive cyber, reputation cover and Side A DIC are on your quote. ⁵ ²
Get limits, retentions and the issuing insurer in writing from both. ³ ⁵

CFC vs The Hartford Management Liability Insurance Compared

CFC vs The Hartford: Management Liability Insurance: documented features by provider

Criteria	CFC Management Liability	The Hartford Private Choice Premier Management Liability Insurance
Who It’s For	CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for this package, and lists industries it favors, including manufacturing and distribution, technology, professional services, architects and engineers, and non-profits. ²Company-reported. Brochure's 'What we like' and 'What we decline' lists; underwriting still applies to any individual business, and the list is not exhaustive.	The Hartford offers management-liability coverage to nonprofit organizations (social service agencies, associations, museums, foundations), publicly traded companies, and privately-held companies, plus a separate financial-institutions track and a general-partners track for limited partnerships. ⁵Company-reported. Management liability product page as read 2026-09-23.
Coverage Features	CFC describes the package as covering directors and officers liability, employment practices liability, fiduciary liability, crime, executive cyber, kidnap and ransom, and executive reputation protection, plus court attendance costs. ^1,²Company-reported. Brochure's opening description and 'What else is in the policy?' list; the actual policy wording and any endorsements control what a given buyer receives.	The Hartford offers a Premier Excess policy providing streamlined excess liability coverage above its management-liability limits for risks across all industries. ⁵Company-reported. Management liability product page as read 2026-09-23. General description; the issued policy controls.
Role in This Line	CFC sells directors and officers, employment practices, fiduciary and crime coverage together in one US Management Liability package rather than as separate standalone products. CFC separately sells Side A DIC, an excess product for directors and officers only. ^1,²Company-reported. CFC's US management-liability product page and January 2026 brochure; package composition as CFC describes it, not an issued policy.	The Hartford's Private Choice Premier is a management-liability package bundling five coverages: directors and officers (D&O), employment practices liability (EPL), fiduciary liability, crime, and kidnap and ransom/extortion. Certain coverages can also be added to a Business Owner's Policy. ⁵Company-reported. Management liability product page as read 2026-09-23.