Lockton vs 
The Hartford D&O Insurance
Lockton brokers D&O as a standalone placement with a named claims team; The Hartford instead sells it inside a five-coverage package.
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 1,2,3
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 5,6,7
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 9
Key Differences in D&O Insurance
Bespoke Program Design Versus a Named Package
Lockton describes designing D&O programs, tailoring coverage precision to the client rather than selling a fixed bundle. 4 The Hartford instead sells D&O inside one named product:
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. 8Company-reported. Management liability product page as read 2026-09-23.
Who Each Side Names as the Typical Buyer
The Hartford names nonprofit organizations, publicly traded companies and privately held companies, with a separate track for financial institutions. 8 Lockton instead lists a broad range of individuals a program it places can cover — trustees, subsidiaries, estates — rather than sorting buyers by organization type. 4
How Coverage Gets Explained
The Hartford illustrates D&O with a specific claim scenario, an employee suing over wrongful termination. 8 Lockton instead explains a three-part Side A, B and C structure without a claim example, describing individual protection, company reimbursement and entity coverage in general terms. 4
What to Confirm in D&O Insurance Quotes
- Ask Lockton which insurers it typically places D&O with; the reviewed page doesn't name one. 4
- Ask The Hartford whether D&O is available outside the Private Choice Premier package or only bundled with it. 8
- Confirm how claims are handled at each firm, since Lockton names a specific integrated team that The Hartford's page doesn't mirror. 4
- If your organization is a nonprofit or financial institution, ask The Hartford how its separate track differs from the standard package. 8
Offering Details
Lockton vs The Hartford D&O Insurance: documented features by provider
| Criteria | Lockton Directors & Officers (D&O) Insurance Brokerage | The Hartford Directors and Officers Insurance (D&O) |
|---|---|---|
| Role in This Line | Lockton designs and places D&O programs rather than underwriting them, saying effective coverage requires market intelligence, coverage-design precision and staying ahead of emerging risks like AI-related litigation and event-driven claims. 4Company-reported. D&O product page as read 2026-09-23. | 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. 8Company-reported. Management liability product page as read 2026-09-23. |
| Issuing Insurer | The D&O page does not name the insurers Lockton places D&O coverage with. 4Not publicly disclosed. D&O product page checked 2026-09-23. | Not described in the reviewed sources. |
| Who It’s For | Lockton says D&O coverage it places can extend beyond directors and officers to trustees, employees, independent contractors, staff, committee members, volunteers, the corporate entity, majority-owned subsidiaries, spouses/domestic partners, and estates/heirs. 4Company-reported. D&O product page as read 2026-09-23. Describes who can typically be covered under a program Lockton structures, not a guarantee for any specific client. | 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). 8Company-reported. Management liability product page as read 2026-09-23. |
| Coverage Features | Lockton explains a traditional D&O program in three parts it says it can structure: Side A (direct coverage to individual directors/officers when the company can't indemnify them), Side B (reimbursing the company for indemnifying its D&Os), and Side C (entity coverage, generally limited to securities claims for public companies but broader for private and nonprofit organizations). 4Company-reported. D&O product page as read 2026-09-23. General educational description of program structure, not a specimen policy form. | 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. 8Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Claims Support | Lockton says its Professional & Executive Risk Claims team integrates experienced insurance and claims counsel within the broking team from the start of the relationship, rather than treating claims advocacy as a separate profit center. 4Company-reported. D&O product page as read 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More Lockton vs The Hartford Comparisons
Other D&O Insurance Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- D&O Insurance. Lockton; What is D&O insurance?; Side A/B/C coverage components; Who can be covered under a D&O program?; Claims management. Accessed 2026-09-23.
The Hartford
- 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.
- SaaS Insurance for Your Business. 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.
- Find a Local Insurance 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.
- Management Liability Insurance | Get a Quote. 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
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
