TechInsurance vs 
The Hartford D&O Insurance
TechInsurance quotes D&O standalone or as a GL/BOP endorsement; Hartford puts D&O in Private Choice Premier.
What Is TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 1,2
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. 4,5,6
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 8
Key Differences in D&O Insurance
Endorsement Menu Versus Private Choice Premier
TechInsurance says D&O can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner’s policy. The Hartford’s D&O is one of five options in Private Choice Premier and can also be added to a Business Owner’s Policy. 3 7 Both can sit on a BOP; TechInsurance also describes a GL endorsement path, and Hartford also describes a five-coverage management-liability package.
Published Median Versus No Public Price
TechInsurance says policyholders pay a median of $133 per month. Hartford’s reviewed management-liability page does not publish D&O premiums, limits or retentions. 3 7 TechInsurance describes Side A, Side B and Side C (Side C mainly for public-company securities claims), a claims-made trigger, and an exclusion for criminal acts such as fraud or embezzlement. Hartford’s page describes legal fees for claims from employees, vendors, competitors, investors or customers, using wrongful termination as the example, without Side A/B/C labels.
Audiences
TechInsurance names employers with employees or stockholders, venture-backed startups and nonprofits. Hartford offers management-liability coverages, including D&O, to nonprofits, publicly traded companies and privately held companies, plus a financial-institution track. 3 7 TechInsurance’s page does not describe adviser D&O, private-fund or registered-fund products; Hartford’s page does not report a book-of-business median premium. TechInsurance’s reviewed page does not name the issuing insurer.
What to Confirm in D&O Insurance Quotes
- Confirm whether D&O would be standalone, a GL endorsement, a BOP add-on, or inside Private Choice Premier. 3 7
- Treat $133 as TechInsurance’s median, not your premium. 3
- If you are a financial institution, ask Hartford about its separate tracks. 7
- Confirm claims-made dates on the TechInsurance form. 3
Offering Details
TechInsurance vs The Hartford D&O Insurance: documented features by provider
| Criteria | TechInsurance Directors and Officers Insurance (D&O) | The Hartford Directors and Officers Insurance (D&O) |
|---|---|---|
| Role in This Line | TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. 3Company-reported. D&O product page. | 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. 7Company-reported. Management liability product page as read 2026-09-23. |
| Issuing Insurer | The reviewed page does not name the issuing insurer for a D&O policy. 3Not publicly disclosed. D&O product page as read on 2026-09-23. | Not described in the reviewed sources. |
| Who It’s For | TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. 3Company-reported. D&O product page, Who needs D&O insurance coverage? section. | 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). 7Company-reported. Management liability product page as read 2026-09-23. |
| Coverage Features | TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). 3Company-reported. D&O product page; general policy description, not a specific policy form. TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. 3Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections. | 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. 7Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Limits and Retentions | TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. 3Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. | Not described in the reviewed sources. |
Full Comparison
More TechInsurance vs The Hartford Comparisons
Other D&O Insurance Comparisons
Sources
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Directors and Officers Insurance (D&O) Quotes Online. TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). 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.
