Tough at the top.

Directors of private companies now face very real D&O exposures. Kelly Lyles says the market must re-examine the standard D&O policy to match the needs of the owner-managed business.

Directors of all companies are now held, at an unprecedented level,
to be personally liable for any actions or decisions they make on behalf
of a company. The personal assets of directors are put at risk if their
decisions are tested in court, so the tough decisions needed to stay ahead
of the game carry heavy financial risks for both the company and its
directors.


Litigation is a growing fact of business life - over 30% of directors and
officers of large companies have faced litigation in the last

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