--- title: "Corgi vs The Hartford: D&O Insurance" description: "Corgi sells startups a D&O policy with published terms: $1 million per claim, $2 million aggregate and a $25,000 retention, applied for online. The Hartford serves private, public and nonprofit organizations, with D&O as one of five options in its Private Choice Premier package or added to a business owner's policy." canonical: "https://spot.insure/compare/corgi-vs-the-hartford/directors-officers" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "corgi-vs-the-hartford" provider-a: "corgi" provider-b: "the-hartford" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/corgi-vs-the-hartford/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Corgi 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 Corgi 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:** - Corgi vs The Hartford for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Corgi or The Hartford? - What does Corgi or The Hartford publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: Corgi 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:** - [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford) — all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile # Corgi vs The Hartford: How Do They Compare for D&O Insurance? The Hartford includes D&O in Private Choice Premier or as a Business Owner’s Policy add-on; Corgi sells standalone startup coverage online with illustrative limits up to $1 million per claim and $2 million total. Corgi sells startups a published $1 million D&O policy online, while The Hartford offers D&O to private, public and nonprofit organizations inside a management-liability package or on a business owner's policy. ## Corgi vs The Hartford D&O Insurance Summary Corgi sells startups a D&O policy with published terms: $1 million per claim, $2 million aggregate and a $25,000 retention, applied for online. The Hartford serves private, public and nonprofit organizations, with D&O as one of five options in its Private Choice Premier package or added to a business owner's policy. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ## What Are the Key Differences Between Corgi and The Hartford D&O Insurance? ### Startup Policy vs an Established-Business Package Corgi sells D&O standalone or inside stage-based packages starting at pre-seed and seed. The Hartford adds a separate track for financial institutions, with adviser D&O, private fund and registered fund liability. Choose Corgi if you're a venture-backed startup that wants terms you can read before applying; choose The Hartford if you're an established small business, nonprofit or financial firm that wants D&O on the same package or BOP as your other cover. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ### What You Know Before You Buy Corgi documents its form in detail: no retention on Side A, cover for Regulation D private placements, individual cover for Wells Notices and subpoenas, and an exclusion for regulatory investigations of the company itself. The Hartford describes D&O more generally — legal fees for claims by employees, vendors, competitors, investors or customers, with a wrongful-termination suit as its example — and publishes no limits. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ## What Should You Confirm in Corgi and The Hartford D&O Insurance Quotes? - Corgi's policy is written by Technology Risk Retention Group, Inc., a risk retention group; ask whether that satisfies your investors. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") - Ask The Hartford whether your quote is in Private Choice Premier, on a BOP, or on the financial-institution track, and whether D&O shares a limit with the rest. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") - Compare Corgi's $1 million / $2 million limits and $25,000 retention with the limit and retention on The Hartford's quote. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ## Corgi vs The Hartford D&O Insurance Compared | Criteria | Corgi Directors & Officers (D&O) | The Hartford Directors and Officers Insurance (D&O) | | --- | --- | --- | | Coverage Features | The policy has three coverage parts: Side A pays individual directors and officers directly when the company cannot indemnify them and carries no retention; Side B reimburses the company when it does indemnify directors and officers; Side C covers the company entity itself, subject to additional exclusions including intellectual-property claims and contractual liability. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-DO-0100; the issued policy and declarations control..)

The standard policy excludes claims from registered public securities offerings, but a carve-back preserves coverage for exempt transactions such as Regulation D private placements, which Corgi says covers how most startups raise capital. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt..)

Corgi covers individual directors and officers (Sides A and B) who receive a Wells Notice, subpoena or target letter from a regulator, but the standard policy excludes entity-level regulatory investigations of the company itself. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered..) | 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. [2](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 | Corgi sells D&O as a standalone startup policy and also bundles it into its stage-based packages starting at pre-seed and seed, describing it as protection for directors and officers against personal financial liability for management decisions. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself..) | 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. [2](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 Corgi and The Hartford and D&O Insurance - [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/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 Corgi vs The Hartford D&O Insurance - [Corgi vs The Hartford](https://spot.insure/compare/corgi-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. - [Corgi D&O Insurance](https://spot.insure/insurance-providers/corgi/directors-officers) - [The Hartford D&O Insurance](https://spot.insure/insurance-providers/the-hartford/directors-officers) ## Sources for Corgi vs The Hartford D&O Insurance ### Sources About Corgi 1. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). Corgi Insurance; What's Actually Inside Your D&O Policy (form CORG-DO-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23. ### Sources About The Hartford 2. [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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/corgi-vs-the-hartford/directors-officers.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)