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Mitigating risks in a challenging landscape for private companies

From wrongful termination or discrimination claims to antitrust violations and more, the risks for private companies are constantly evolving.

06/26/2025 · 2 minute read

From wrongful termination or discrimination claims to antitrust violations, breach of contract claims, and more, the risks for private companies are constantly evolving — potentially impacting operations, reputation, and financial stability. And as the company itself grows, these risks continue to shift while securing adequate insurance to protect executives becomes all the more challenging. 

Understanding these evolving and emerging risks and determining the potential impact they may have on your business is critical, allowing private companies to build risk management strategies and insurance programs that are tailored to their specific circumstances. 

While private companies face a myriad challenges, including issues related to people, financial and operational matters, regulatory and governance are particularly salient and require a thought-out approach to mitigate their impact.

People risk

A company’s growth and operational success heavily depend on attracting and retaining the right talent, which must adapt to the business’ evolving needs. However, poor decisions — such as those related to hiring or layoffs — can lead to claims that jeopardize both the business and the personal assets of executives.

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Financial and operational risk

From changes in customer demand, to market volatility, to periods of economic uncertainty, private companies face a wide range of financial risks that can impact your bottom line and also affect operations. Moreover, supply chain disruptions can lead to increased costs and diminished profit margins.

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Regulatory and governance risk

Private companies must establish a robust governance framework that ensures compliance with regulatory requirements while fostering transparency, accountability, and ethical decision-making. For your company’s decision-makers, regulatory and governance risks may translate into personal liability, threating their assets and professional standing.

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These challenges, and the impact they may have on both the company’s bottom line and the assets of executives, underscore the importance that private companies prioritize the development of a well-structured insurance program. Comprehensive directors and officers liability (D&O) coverage can provide essential protection for executives and board members, safeguarding their personal assets against potential claims. 

By recognizing and addressing these evolving risks and building an effective insurance program, private companies can position themselves for sustainable growth and success in an increasingly competitive environment.

Our people

Deepak Adappa

Managing Director, FINPRO

  • United States

William Fahey

Private Company D&O Product Leader, FINPRO

  • United States

Ruth Kochenderfer

Ruth Kochenderfer

D&O Product Leader

  • United States

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