--- title: "TechInsurance vs The Hartford: D&O Insurance" description: "TechInsurance says its D&O customers pay a median $133 a month and targets small employers, venture-backed startups and nonprofits; The Hartford also writes public companies and has a separate track for fund advisers and other financial institutions." canonical: "https://spot.insure/compare/techinsurance-vs-the-hartford/directors-officers" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "techinsurance-vs-the-hartford" provider-a: "techinsurance" provider-b: "the-hartford" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/techinsurance-vs-the-hartford/directors-officers) ## Agent Guide **What this page is:** Focused comparison of TechInsurance 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 TechInsurance 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:** - TechInsurance vs The Hartford for D&O Insurance: how do they differ? - Which is better for D&O Insurance, TechInsurance or The Hartford? - What does TechInsurance or The Hartford publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: TechInsurance 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:** - [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford) — all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile - [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile # TechInsurance vs The Hartford: How Do They Compare for D&O Insurance? TechInsurance arranges D&O and explains its role in legal costs over management decisions; The Hartford includes D&O among five management liability options for business customers. Both let a small business add D&O to a business owner's policy, but TechInsurance publishes a $133 median monthly price for tech companies and startups, while The Hartford also covers public companies and financial institutions. ## TechInsurance vs The Hartford D&O Insurance Summary TechInsurance says its D&O customers pay a median $133 a month and targets small employers, venture-backed startups and nonprofits; The Hartford also writes public companies and has a separate track for fund advisers and other financial institutions. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ## What Are the Key Differences Between TechInsurance and The Hartford D&O Insurance? ### Price Benchmark for Small Tech vs Broader Company Types Both let you add D&O to a policy you already have: TechInsurance as standalone or an endorsement to general liability or a BOP, The Hartford as a BOP add-on or one of five coverages in Private Choice Premier. TechInsurance prices from your limit, deductible, headcount, revenue and IPO potential; The Hartford publishes no price. Choose TechInsurance if you're a small tech company or venture-backed startup that wants a price benchmark; choose The Hartford if you're public, a fund adviser or other financial institution, or already insured with The Hartford. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ### What the Policy Says It Covers TechInsurance describes Sides A, B and C, a claims-made trigger (the policy must be active when a claim is made), and an exclusion for criminal acts such as fraud or embezzlement. The Hartford's page covers legal fees for suits from employees, vendors, competitors, investors or customers, using wrongful termination as its example. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") ## What Should You Confirm in TechInsurance and The Hartford D&O Insurance Quotes? - Ask TechInsurance which insurer issues your D&O and whether it would be standalone or an endorsement. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Ask The Hartford whether D&O shares a limit with the other Private Choice Premier coverages. [2](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") - Check the retroactive date on your TechInsurance quote, since its D&O is claims-made. [1](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ## TechInsurance vs The Hartford D&O Insurance Compared | Criteria | TechInsurance Directors and Officers Insurance (D&O) | The Hartford Directors and Officers Insurance (D&O) | | --- | --- | --- | | 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. [1](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). [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 | 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). [1](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..)

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. [1](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. [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 | 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. [1](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. [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 TechInsurance and The Hartford and D&O Insurance - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/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 TechInsurance vs The Hartford D&O Insurance - [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): 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. - [TechInsurance D&O Insurance](https://spot.insure/insurance-providers/techinsurance/directors-officers) - [The Hartford D&O Insurance](https://spot.insure/insurance-providers/the-hartford/directors-officers) ## Sources for TechInsurance vs The Hartford D&O Insurance ### Sources About TechInsurance 1. [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. ### 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/techinsurance-vs-the-hartford/directors-officers.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)