D&O = Directors & Officers liability insurance.

It shields the personal assets of board members, CEOs, HR directors, and other executives when they’re sued for decisions made in their official capacity.

– “Protects Leaders During Restructuring Lawsuits” refers to the specific scenario where a company’s restructuring (e.g., layoffs, re‑orgs) triggers claims such as wrongful termination, age discrimination, or alleged mismanagement of the dismissal process.
– Employment Practices Liability (EPL) extension – most D&O policies include an EPL clause that expressly covers employment‑related claims, so legal defence costs, settlement payouts, or tribunal awards are paid by the insurer rather than out‑of‑pocket by the individuals.

If a long‑time employee sues the HR director or CEO after a restructuring, the D&O policy (via its EPL extension) will fund the lawyers, court fees, and any settlement, protecting the leaders’ personal finances and the company’s balance sheet.