It is no longer only public companies who have the need for D&O coverage anymore. With the cost and frequency of litigations rising, and the uncertainty of the world, private companies are also facing increased litigation as a result of the actions taken by management. While some claims may be frivolous, the cost to the business to defend both the company and the management team can be exorbitant. While businesses begin to open their offices and employees begin to physically return to work, management is facing tough decisions on how to “get back to normal” while keeping both employees and customers safe. Diving a little deeper into this coverage helps us understand how D&O insurance can help protect a business and management.