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

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

## Agent Guide

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

**Key facts:**
- Line: D&O Insurance. Providers: Lockton 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:**
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 builds a custom D&O program with claims counsel on your broking team, while The Hartford sells D&O off the shelf in its Private Choice Premier package or as an add-on to a Business Owner's Policy.

## Lockton vs The Hartford D&O Insurance Summary

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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") 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. [2](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..)

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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") The Hartford's page describes no D&O claims team; it illustrates cover with an employee suing over wrongful termination. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") Lockton sorts by who needs protecting rather than by organization type. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask The Hartford who handles a D&O claim and how. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## Lockton vs The Hartford D&O Insurance Compared

| 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. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Company-reported; scope: 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). [2](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 | 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). [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Company-reported; scope: 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. [2](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 | 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. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Company-reported; scope: 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. [2](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 Lockton and The Hartford and D&O Insurance

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

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

## Sources for Lockton vs The Hartford D&O Insurance

### Sources About Lockton

1. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-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.

### Sources About The Hartford

2. [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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