What personal exposure does a Georgia company face without D&O and EPL coverage?

D&O covers the individuals on your board and in leadership from personal liability for business decisions. EPL covers the company from employee lawsuits (wrongful termination, harassment, discrimination). Without D&O, a board member's personal savings account and home equity are exposed if a decision they made leads to a lawsuit. Without EPL, one employment claim can cost $50,000 to $200,000 in legal defense alone before any settlement. Most Georgia companies with employees and a board need both.