Business bankruptcies are rising across Sweden, reflecting economic pressure from higher interest rates and tighter credit conditions. This creates greater legal and financial risk for company boards, as directors can face personal liability if they are accused of mismanagement. Demand for directors and officers insurance is therefore growing. Smaller and mid-sized firms are increasingly looking for policies that include legal support and compliance guidance, helping protect decision-makers in a more challenging business environment. This shift is likely to continue as insolvency levels remain elevated.