Assumptions.  1 Base model has an efficiency that just meets the national minimum standard for gas and electric water heaters. 2  Lifetime energy cost is the sum of the discounted value of the annual energy costs based on assumed water heater life of 13 years. Lifetime energy cost is the sum of the discounted value of the annual energy costs based on assumed water heater life of 13 years.
Some Employment Practices Liability Insurance (EPLI) policies have âthird-partyâ coverage included. âThird-partyâ coverage refers to claims made by non-employees, usually customers, who allege that an employee engaged in wrongful conduct such as sexual harassment or discrimination.
Most policies provide that defense expenses are part of the retention, so that they. will not have to defend against minimal or nuisance claims. After the retention is exhausted, EPLI covers damages resulting from an insuredâs. employment practices, including settlements, judgments, back pay and front pay awards, pre-.