---
title: "Lockton vs The Hartford: Fiduciary Liability Insurance"
description: "Lockton describes typical benefit-law and administration coverage plus certain stated fines; The Hartford illustrates fiduciary protection with unpaid medical bills under an employer plan."
canonical: "https://spot.insure/compare/lockton-vs-the-hartford/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-the-hartford"
provider-a: "lockton"
provider-b: "the-hartford"
coverage-line: "fiduciary"
---

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

## Agent Guide

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

**Key facts:**
- Line: Fiduciary Liability 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
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — 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 Fiduciary Liability Insurance?

Lockton places fiduciary coverage for companies, plans, and their administrators; The Hartford includes the line in Private Choice management-liability options for private and nonprofit organizations.

Lockton outlines typical fiduciary coverage for benefit-law and administration errors; The Hartford uses a claim example involving unpaid employee medical benefits.

## Lockton vs The Hartford Fiduciary Liability Insurance Summary

Lockton describes typical benefit-law and administration coverage plus certain stated fines; The Hartford illustrates fiduciary protection with unpaid medical bills under an employer plan. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability 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 Fiduciary Liability Insurance?

### Broker Description Versus Hartford Form

 The Hartford illustrates an employee claim over unpaid medical bills; Lockton describes a typical placed policy covering benefit-law breaches, plan-administration errors, voluntary-compliance loss and certain expressly stated fines. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### Typical Grants Versus a Benefits-Payment Example

Lockton describes typical cover for benefit-law breaches, administration errors, voluntary compliance loss and optional HIPAA, Pension Protection Act and ACA fines, and it distinguishes the line from a required ERISA bond. The Hartford describes help against fiduciary mismanagement, using a staff member whose medical bills were not paid under the employer’s benefit plans. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

Lockton lists a long typical insured roster, including spouses, heirs, former-employee consultants, committees and trustees. The Hartford says the coverage is available to nonprofits, public companies and privately held companies. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### Claims Counsel Versus Package Quote

Lockton’s Professional & Executive Risk Claims team integrates counsel before a claim. The Hartford’s reviewed page is a get-a-quote management-liability product page and does not describe a comparable broker claims unit for this line. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What Should You Confirm in Lockton and The Hartford Fiduciary Liability Insurance Quotes?

- Ask whether Lockton would place a Hartford form or another carrier. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask The Hartford whether fiduciary sits in Private Choice Premier or the financial-institutions product. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask Lockton whether statutory fines are scheduled and whether an ERISA bond is also required. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance")
- Compare who is an insured against Lockton’s typical list and Hartford’s nonprofit, public and private buyers. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## Lockton vs The Hartford Fiduciary Liability Insurance Compared

| Criteria | Lockton Fiduciary Liability Insurance Brokerage | The Hartford Fiduciary Liability Insurance |
| --- | --- | --- |
| Who It’s For | Lockton says coverage under a fiduciary liability policy it places typically extends to the organization, the benefit plans, employees, subsidiaries as defined in the policy, spouses/domestic partners, estates/heirs, past employees retained as fiduciaries or consultants, and committees and trustees. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page as read 2026-09-23..) | The Hartford's fiduciary liability coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [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 says a typical fiduciary liability policy it places covers breaches of benefit laws, errors and omissions in plan administration, voluntary compliance loss, and, when explicitly stated, certain fines and penalties such as under HIPAA, the Pension Protection Act and the ACA. It also notes fiduciary liability is distinct from an ERISA bond, which is legally required and insures plan assets against theft under a crime/fidelity policy, whereas fiduciary liability is not legally required but covers governance and decision-making risk. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page as read 2026-09-23. General policy-structure description, not a specimen form..) | The Hartford says fiduciary liability insurance helps protect a business from claims of fiduciary mismanagement, giving as an example a staff member's claim after their medical bills weren't paid in accordance with the employer's benefit plans. [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 places fiduciary liability insurance to protect companies and the individuals who manage their employee benefit plans against claims of mismanagement; Lockton is the broker, not the insurer. [1](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page as read 2026-09-23..) | The Hartford's fiduciary liability coverage is one of five options in its Private Choice Premier management-liability package; it also offers a separate fiduciary liability line within its financial-institutions management and professional liability products. [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 Fiduciary Liability 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 Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)

## Related Pages for Lockton vs The Hartford Fiduciary Liability

- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Lockton Fiduciary Liability Insurance](https://spot.insure/insurance-providers/lockton/fiduciary)
- [The Hartford Fiduciary Liability Insurance](https://spot.insure/insurance-providers/the-hartford/fiduciary)

## Sources for Lockton vs The Hartford Fiduciary Liability Insurance

### Sources About Lockton

1. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance?; Typical coverage on a fiduciary liability policy; Who can be covered under a fiduciary liability policy?; How does fiduciary liability insurance complement similar lines of coverage; 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; Fiduciary Liability Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions. 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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