---
title: "HUB International vs The Hartford: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-the-hartford/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-the-hartford"
provider-a: "hub-international"
provider-b: "the-hartford"
coverage-line: "directors-officers"
---

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

## Agent Guide

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

**Key facts:**
- Line: D&O Insurance. Providers: HUB International 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 2026-09-25.

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

# 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 lets you add D&O to a business owner's policy or its management-liability package, while HUB shops D&O across carriers and backs you with claims attorneys.

## HUB International vs The Hartford D&O Insurance Summary

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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask HUB which insurer it would place you with, plus the limit and retention; it publishes none. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")

## HUB International vs The Hartford D&O Insurance Compared

| 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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). [3](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 | 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [3](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 | 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [3](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 HUB International and The Hartford and D&O Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/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 HUB International vs The Hartford D&O Insurance

- [HUB International vs The Hartford](https://spot.insure/compare/hub-international-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.
- [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers)
- [The Hartford D&O Insurance](https://spot.insure/insurance-providers/the-hartford/directors-officers)

## Sources for HUB International vs The Hartford D&O Insurance

### Sources About HUB International

1. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
2. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### Sources About The Hartford

3. [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 2026-09-25. 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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