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

Lockton designs D&O programs that may cover related entities, while The Hartford includes D&O among five management liability options for business customers.

Lockton designs a D&O program around you and puts claims counsel on your broking team from the start. The Hartford sells D&O as one of five options in Private Choice Premier or as an add-on to its Business Owner's Policy. ^1,²

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

Custom Program vs Package Option

Lockton structures Side A, B and C around your exposures and can extend cover to trustees, employees, contractors, committee members, volunteers, subsidiaries, spouses and estates. ¹ The Hartford sells a ready-made option:

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. ²Company-reported. Management liability product page as read 2026-09-23.

Choose Lockton if you need a program shaped around unusual insured people or complex exposures; choose The Hartford if you are a smaller private company, nonprofit or existing Hartford Business Owner's Policy holder that wants D&O added simply. ¹ ²

Claims Counsel From Day One at Lockton

Lockton's Professional & Executive Risk Claims team puts insurance and claims counsel inside your broking team from the start. ¹ The Hartford's page describes no D&O claims team; it illustrates cover with an employee suing over wrongful termination. ² If you expect a contested claim, Lockton's documented support is stronger.

Organization Tracks at The Hartford

The Hartford runs separate tracks for nonprofits, publicly traded companies, privately held companies and financial institutions. ² Lockton sorts by who needs protecting rather than by organization type. ¹

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

Ask Lockton which insurers it would approach; its page names none. ¹
Ask The Hartford whether you can buy D&O outside Private Choice Premier or a Business Owner's Policy, and which track you'd be on. ²
Ask The Hartford who handles a D&O claim and how. ²

Lockton vs The Hartford D&O Insurance Compared

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)
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. ¹Company-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). ²Company-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). ¹Company-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. ²Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
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. ¹Company-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. ²Company-reported. Management liability product page as read 2026-09-23.