Check the number of files in the saved game folder (in '..\Divine Divinity\Run\savegames'). Missing files might cause the game to crash when trying to load. A new game should have 22 files, after going to either Verdistis or the Dark Forest it should have 27, after going to both it should have 32.
Do you have any previous saves, that you could go back to and re-do part of the game? That would at least be better than starting over.
If the files in the saved game folder are marked as read-only it will cause the game to crash trying to load it, though that should not be a problem unless you backed up the save to a CD-R and then copied it back to the hard drive.
