The threat of litigation against business owners in their private individual capacity is ever-increasing. Shareholders and owners of competing business can seek redress against those business officers (not just the directors or shareholders) who can be brought to account for the negligent management of a business. The costs of claims can be very high, which can ruin a business. Some limited companies may even be prevented by their company statutory documentation from using company funds to protect individual directors and officers. Directors' & Officers' Liability Insurance is the best solution.