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.
stand-alone epli coverage? The numbers of employment-related claims have been steadily increasing over the years, in 2015 alone the EEOC listed over 161,000 complaints. Small businesses share a disproportionate amount of the claims, a staggering 40% of claims involve firms with less than 50 employees.