Professionals who sell their expertise can be bankrupted by even one allegation of negligence or malpractice. Owners of large and small businesses who provide services or advice to clients face unique risks, which are often excluded from general liability policies. Professional liability insurance products, such as Errors & Omissions, Directors & Officers, Employment Practices Liability EPL), protect insureds from claims such as negligence, misrepresentation, or online defamation. Producers working in this specialized market know these policies are tailored to each client in order to provide the appropriate coverage.