---
title: "TechInsurance vs The Hartford D&O Insurance"
description: "TechInsurance quotes D&O standalone or as a GL/BOP endorsement; Hartford puts D&O in Private Choice Premier."
canonical: "https://spot.insure/compare/techinsurance-vs-the-hartford/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate TechInsurance 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

TechInsurance arranges D&O as a standalone policy or an endorsement on general liability or a BOP, describes claims-made Side A/B/C, and reports a median of $133 per month. 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, with tracks for nonprofits, public companies, private companies and financial institutions. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://www.techinsurance.com/about-us "About TechInsurance") [2](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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](https://www.thehartford.com/legal-notice "Legal Notice") [5](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [6](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. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Treat $133 as TechInsurance’s median, not your premium. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")
- If you are a financial institution, ask Hartford about its separate tracks. [7](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Confirm claims-made dates on the TechInsurance form. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## Offering Details

| 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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [7](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 page does not name the issuing insurer for a D&O policy. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Not publicly disclosed; scope: 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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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). [7](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 | 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). [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)<br><br>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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [7](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 | 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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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

- [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-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.
- [TechInsurance vs The Hartford Business Owner’s Policy](https://spot.insure/compare/techinsurance-vs-the-hartford/business-owners-policy)
- [TechInsurance vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/commercial-auto)
- [TechInsurance vs The Hartford Commercial Property Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/commercial-property)
- [TechInsurance vs The Hartford Cyber Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/cyber)
- [TechInsurance vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/employment-practices)
- [TechInsurance vs The Hartford General Liability Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/general-liability)
- [TechInsurance vs The Hartford Inland Marine Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/inland-marine)
- [TechInsurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/professional-errors-omissions)
- [TechInsurance vs The Hartford Tech E&O Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/technology-errors-omissions)
- [TechInsurance vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/techinsurance-vs-the-hartford/workers-compensation)
- [Alliance Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers)
- [Alliance Risk vs The Hartford D&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/directors-officers)
- [Amelia Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/directors-officers)
- [Amelia Risk vs The Hartford D&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/directors-officers)
- [Beazley vs TechInsurance D&O Insurance](https://spot.insure/compare/beazley-vs-techinsurance/directors-officers)
- [Beazley vs The Hartford D&O Insurance](https://spot.insure/compare/beazley-vs-the-hartford/directors-officers)

## Sources

### TechInsurance

1. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
2. [Contact Us](https://www.techinsurance.com/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.
3. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). 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

4. [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.
5. [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.
6. [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.
7. [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

8. [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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