---
title: "Counterpart vs The Hartford: D&O Insurance"
description: "Counterpart publishes distinct private-company and nonprofit D&O pages, while The Hartford places D&O in Private Choice Premier or a Business Owner’s Policy."
canonical: "https://spot.insure/compare/counterpart-vs-the-hartford/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "counterpart-vs-the-hartford"
provider-a: "counterpart"
provider-b: "the-hartford"
coverage-line: "directors-officers"
---

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

## Agent Guide

**What this page is:** Focused comparison of Counterpart 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 Counterpart versus The Hartford. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: D&O Insurance. Providers: Counterpart and The Hartford.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Counterpart vs The Hartford](https://spot.insure/compare/counterpart-vs-the-hartford) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [Counterpart vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs The Hartford General Liability Insurance](https://spot.insure/compare/counterpart-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Hartford D&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford D&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Counterpart D&O Insurance](https://spot.insure/compare/aon-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford D&O Insurance](https://spot.insure/compare/aon-vs-the-hartford/directors-officers) — sibling comparison (other line, or other pair for this line)

# Counterpart vs The Hartford: How Do They Compare for D&O Insurance?

Counterpart publishes distinct private-company and nonprofit D&O pages, while The Hartford places D&O in Private Choice Premier or a Business Owner’s Policy.

## Research Scope and Use

Use this comparison to evaluate Counterpart 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

Counterpart describes separate D&O offerings for private companies and nonprofits. The Hartford describes D&O as part of a management-liability package or an addition to a Business Owner’s Policy. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is The Hartford?

The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [6](https://www.thehartford.com/legal-notice "Legal Notice") [7](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](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?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [11](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [12](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## Key Differences in D&O Insurance

### Coverage Packages

Counterpart presents D&O through dedicated private-company and not-for-profit product pages. The Hartford describes D&O as one of five Private Choice Premier management-liability options and says it can also be added to a Business Owner’s Policy. That affects whether you compare a standalone line or review D&O alongside other package coverages. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### Organization Types

The Hartford says its management-liability offerings, including D&O, serve nonprofit, public, and privately held companies, with a separate track for financial institutions. Counterpart’s cited D&O claims identify private-company and nonprofit pages. Ask both providers to confirm the exact form for your organization and whether other management-liability coverages share terms or limits. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What to Confirm in D&O Insurance Quotes

- Ask Counterpart which policy form and limits apply to your private company or nonprofit. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance")
- Ask The Hartford whether D&O is included in the proposed package or added by endorsement, and how its limit interacts with the other package options. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## Offering Details

| Criteria | Private Company and Nonprofit Directors & Officers Liability | The Hartford Directors and Officers Insurance (D&O) |
| --- | --- | --- |
| Role in This Line | Counterpart describes itself as distributing insurance through its producer and surplus-lines broker and says businesses access the program through a wholesale broker. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited pages do not map a particular insurer to a D&O quote or state..) | 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. [9](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..) |
| Who It’s For | Counterpart publishes a private-company D&O product page and a separate D&O page for not-for-profit organizations. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: Separate product pages show different marketed segments; eligibility depends on the proposed risk and insurer review..) | 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). [9](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 | The private-company D&O page describes protection for management-liability claims and includes illustrative coverage and limit examples. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: Illustrations and summaries are not policy terms or an available limit commitment..)<br><br>Counterpart separately markets D&O for not-for-profit organizations. [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: The retained page summary does not establish a particular nonprofit’s eligibility or the terms of its policy..) | 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. [9](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..) |

## Full Comparison

- [Counterpart vs The Hartford](https://spot.insure/compare/counterpart-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.
- [Counterpart vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-the-hartford/employment-practices)
- [Counterpart vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-the-hartford/fiduciary)
- [Counterpart vs The Hartford General Liability Insurance](https://spot.insure/compare/counterpart-vs-the-hartford/general-liability)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers)
- [AIG vs The Hartford D&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/directors-officers)
- [Alliance Risk vs The Hartford D&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/directors-officers)
- [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers)
- [Aon vs Counterpart D&O Insurance](https://spot.insure/compare/aon-vs-counterpart/directors-officers)
- [Aon vs The Hartford D&O Insurance](https://spot.insure/compare/aon-vs-the-hartford/directors-officers)

## Sources

### Counterpart

1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
3. [Private Directors & Officers Liability Insurance](https://yourcounterpart.com/products/do). Counterpart, Inc.; Retained provider source: product page sections on covered organizations, coverage, example limits/retentions and capacity; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
4. [Not-for-Profit Directors & Officers Insurance](https://yourcounterpart.com/products/not-for-profit-do). Counterpart, Inc.; Retained provider source: product page sections on nonprofit eligibility, coverage and underwriting partners; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
5. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### The Hartford

6. [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.
7. [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.
8. [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.
9. [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

10. [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.
11. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
12. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Counterpart Reviews

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## The Hartford Reviews

Review Score: 4.9 / 10 from 5 rated sources, equally weighted.

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/reviews).

## Agent and Developer Resources

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