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 Insurance (EPLI or EPL) covers losses that would not be covered by Comprehensive General Liability policies. EPLI insurance is designed to cover wrongful termination, discrimination, sexual harassment, hostile work environment and in some cases, even wage and hour disputes. EPLI coverage is an essential coverage in todayâs litigious society.