HUB International vs The Hartford: How Do They Compare for D&O Insurance?

HUB International brokers D&O across private, public, and nonprofit organizations; The Hartford includes the coverage among five management liability options and describes protection for directors and officers.

The Hartford sells D&O as an add-on to a business owner's policy or inside its Private Choice Premier package; HUB shops D&O across carriers and gives you an attorney-staffed claims group. ^3,^1,²

What Are the Key Differences Between HUB International and The Hartford D&O Insurance?

Add-On From One Insurer vs a Broker Shopping the Market

The Hartford's D&O is one of five options in Private Choice Premier, alongside employment practices, fiduciary, crime and kidnap coverage, or an add-on to your business owner's policy, and it has a separate track for financial institutions such as fund advisers. HUB's ProEx practice places D&O with outside carriers for private companies, nonprofits and public companies. Choose The Hartford if you're a small business that already has a Hartford BOP, or a fund adviser or financial institution; choose HUB if you want several carriers compared and attorney claims support. ³ ¹ ²

Help When You're Sued

HUB's Claims & Legal Risks Group of attorneys supports D&O clients from reviewing policy wording before a claim through recovery. The Hartford's page covers legal fees for suits from employees, vendors, competitors, investors or customers, using wrongful termination as its example, but describes no claims-advocacy service. ² ³

What Should You Confirm in HUB International and The Hartford D&O Insurance Quotes?

Ask The Hartford whether D&O shares a limit with the other Private Choice Premier coverages, and what limit a BOP add-on carries. ³
Ask HUB which insurer it would place you with, plus the limit and retention; it publishes none. ¹

HUB International vs The Hartford D&O Insurance Compared

HUB International vs The Hartford: D&O Insurance: documented features by provider

Criteria	HUB International Directors and Officers Insurance Brokerage	The Hartford Directors and Officers Insurance (D&O)
Who It’s For	HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. ¹Company-reported. D&O product page target-market description; not an underwriting appetite statement.	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). ³Company-reported. Management liability product page as read 2026-09-23.
Coverage Features	HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. ¹Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. ¹Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.	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. ³Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. ^1,²Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.	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. ³Company-reported. Management liability product page as read 2026-09-23.

Criteria

HUB International Directors and Officers Insurance Brokerage

The Hartford Directors and Officers Insurance (D&O)

Who It’s For

HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. ¹Company-reported. D&O product page target-market description; not an underwriting appetite statement.

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). ³Company-reported. Management liability product page as read 2026-09-23.

Coverage Features

HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. ¹Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim.

HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. ¹Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.

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. ³Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

Role in This Line

HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. ^1,²Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.

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. ³Company-reported. Management liability product page as read 2026-09-23.