---
title: "Newfront vs The Hartford D&O Insurance"
description: "Newfront brokers D&O without naming an issuer; The Hartford sells D&O inside Private Choice Premier or on a BOP."
canonical: "https://spot.insure/compare/newfront-vs-the-hartford/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Newfront vs The Hartford D&O Insurance

Newfront brokers D&O without naming an issuer; The Hartford sells D&O inside Private Choice Premier or on a BOP.

## Research Scope and Use

Use this comparison to evaluate Newfront and The Hartford for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Newfront’s Executive Risk practice brokers private and public D&O, while The Hartford offers D&O as one of five Private Choice Premier options or as an add-on to a Business Owner’s Policy. [5](https://www.newfront.com/executive-risk "Executive Risk") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What Is Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [1](https://www.newfront.com/business-insurance "Business Insurance") [2](https://www.newfront.com/total-rewards "Employee Benefits") [3](https://www.newfront.com/navigator "Newfront Navigator") [4](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## 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. [6](https://www.thehartford.com/legal-notice "Legal Notice") [7](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Who Issues the Policy

Newfront brokers D&O and does not name the issuing insurer on the reviewed Executive Risk page. [5](https://www.newfront.com/executive-risk "Executive Risk") The Hartford presents D&O as coverage it offers inside Private Choice Premier, and says the same line can also be added to a Business Owner’s Policy. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") On a quote, that is placed market paper versus Hartford paper inside a package.

### Which Organizations Each Record Names

Newfront describes private companies from seed through funding series and public companies on M&A and IPOs. [5](https://www.newfront.com/executive-risk "Executive Risk") The Hartford offers D&O to nonprofits, publicly traded companies and privately held companies, and it names a separate management and professional liability track for financial institutions, including adviser D&O, private fund liability and registered fund liability. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") Newfront’s reviewed page does not describe that fund-or-adviser split. [5](https://www.newfront.com/executive-risk "Executive Risk")

### What Claims They Say D&O Answers

Newfront says its D&O work includes protection against securities-related litigation and regulatory investigations. [5](https://www.newfront.com/executive-risk "Executive Risk") The Hartford says D&O covers legal fees for claims from employees, vendors, competitors, investors or customers, and its example is an employee suing for wrongful termination. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") Ask both quotes which of those claim types sit on the D&O form rather than on employment-practices or another package part.

## What to Confirm in D&O Insurance Quotes

- Ask The Hartford whether D&O would sit in Private Choice Premier or on a BOP. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- If you are a fund or adviser, ask which Hartford track applies. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask Newfront which carrier would issue the policy. [5](https://www.newfront.com/executive-risk "Executive Risk")
- Confirm shared package limits versus a standalone Newfront placement. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [5](https://www.newfront.com/executive-risk "Executive Risk")

## Offering Details

| Criteria | Newfront Directors and Officers (D&O) Insurance | The Hartford Directors and Officers Insurance (D&O) |
| --- | --- | --- |
| Role in This Line | Newfront's Executive Risk practice brokers D&O coverage, negotiating placement for management-liability lines. Deirdre Finn, the Executive Risk Solutions Practice Leader, oversees this D&O, employment-practices and fiduciary book of business. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk offering page and Leadership section..) | 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. [9](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..) |
| Issuing Insurer | The reviewed Executive Risk page does not name the insurer or insurers that would issue a D&O policy placed through Newfront. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23; carrier depends on the specific placement..) | Not described in the reviewed sources. |
| Who It’s For | Newfront says it services private companies "from seed round through every series of capital funding," including over 120 unicorn companies, and has worked with over 500 publicly traded companies on D&O-relevant matters such as M&A and IPOs. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Here for the Long Run section; company-reported client counts, not independently verified..) | 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). [9](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 | Newfront lists "Directors and Officers (D&O)—Private and public companies" and "Side A DIC D&O" among its Executive Risk Key Coverages, and says its D&O work includes protection against securities-related litigation and regulatory investigations. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Key Coverages list and Committed to Client Advocacy section; Side A DIC is a difference-in-conditions option, and actual trigger and exclusions require the proposed wording..) | 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. [9](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..) |
| Limits and Retentions | The reviewed Executive Risk page does not publish D&O limits or retentions. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23..) | Not described in the reviewed sources. |
| Risk Services | Newfront says clients get 24/7 access to their D&O program through its connected dashboard, and that renewals use automated, pre-populated historical data for faster submissions and approvals. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Industry-Leading Technology section of the Executive Risk page..) | Not described in the reviewed sources. |
| How to Apply | Newfront describes a process for private companies transitioning to public status through an IPO, deSPAC or direct listing, and you start a D&O placement by requesting a consultation through the Executive Risk page. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Committed to Client Advocacy section and page call-to-action; no online quoting or binding described..) | Not described in the reviewed sources. |
| Claims Support | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a D&O claim. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: The Newfront Difference section; described across Executive Risk lines, not a D&O-specific claims workflow..) | Not described in the reviewed sources. |

## Full Comparison

- [Newfront vs The Hartford](https://spot.insure/compare/newfront-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Newfront vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/newfront-vs-the-hartford/commercial-auto)
- [Newfront vs The Hartford Commercial Property Insurance](https://spot.insure/compare/newfront-vs-the-hartford/commercial-property)
- [Newfront vs The Hartford Crime Insurance](https://spot.insure/compare/newfront-vs-the-hartford/crime)
- [Newfront vs The Hartford Cyber Insurance](https://spot.insure/compare/newfront-vs-the-hartford/cyber)
- [Newfront vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/newfront-vs-the-hartford/employment-practices)
- [Newfront vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/newfront-vs-the-hartford/fiduciary)
- [Newfront vs The Hartford General Liability Insurance](https://spot.insure/compare/newfront-vs-the-hartford/general-liability)
- [Newfront vs The Hartford Management Liability Insurance](https://spot.insure/compare/newfront-vs-the-hartford/management-liability)
- [Newfront vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/newfront-vs-the-hartford/professional-errors-omissions)
- [Newfront vs The Hartford Tech E&O Insurance](https://spot.insure/compare/newfront-vs-the-hartford/technology-errors-omissions)
- [Newfront vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/newfront-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Newfront D&O Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/directors-officers)
- [Alliance Risk vs The Hartford D&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/directors-officers)
- [Amelia Risk vs Newfront D&O Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/directors-officers)
- [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers)
- [Beazley vs Newfront D&O Insurance](https://spot.insure/compare/beazley-vs-newfront/directors-officers)
- [Beazley vs The Hartford D&O Insurance](https://spot.insure/compare/beazley-vs-the-hartford/directors-officers)

## Sources

### Newfront

1. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
2. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
3. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
4. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
5. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Directors and Officers (D&O)—Private and public companies, Side A DIC D&O; Here for the Long Run: Private Companies, IPOs, Public; Leadership: Deirdre Finn; Industry-Leading Technology. Accessed 2026-09-23.

### The Hartford

6. [Legal Notice](https://www.thehartford.com/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.
7. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). 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.
8. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-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.
9. [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.

### D&O Insurance Guide

10. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.

Updated 2026-09-23. 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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