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.
directors, officers, current and former employees. A company can use this type of insurance to. cover expenses involved in defending against claims or lawsuits related to employment. (regardless of the outcome) and EPLI provides for indemnification of the employer if the case is. settled or a verdict is obtained against the employer.