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.
Employment Practices Liability â EPL Insurance. Definition â Employment Practices Liability Insurance (EPL Insurance) is a policy covering wrongful acts committed by directors and officers, management personnel and employees arising from the employment process. The most common covered claims include: wrongful termination, discrimination, sexual harassment and retaliation.