Insurance and Risk Management Terms - E

E

EAP

earned premium

earned reinsurance premium

earned surplus

earnings before interest, dividends, depreciation, and amortization (EBIDDA)

earnings guidance

earnings insurance

earth movement or earthquake exclusion

earthquake coverage

easement

easement appurtenant

easement by prescription

easement, public

EC endorsement

ecological risk assessment

economic capital

economic cost of ruin (ECOR)

economic damages

Economic Loss Doctrine

economic or use value

economic value added (EVA)

EDD

EDP coverage

educators legal liability (ELL) insurance

EEO-1 report

effective date

effective tax rate

efficacy insurance

EFT system coverage

EIL insurance

election

election window

elective benefits

electrical damage or injury exclusion

Electronic Communications Privacy Act (ECPA)

electronic data

electronic data processing (EDP) coverage

electronic funds transfer (EFT) system coverage

electronic products errors and omissions (E&O) insurance

elevator insurance

eligibility period

elimination period

ELP factor

EMAP

embedded value

emergency

emergency medical technician (EMT) and paramedics professional liability

emergency response plan

emergency response values

employed lawyers professional liability insurance

employee assistance program (EAP)

employee benefit programs

employee benefits liability

employee dishonesty coverage

employee hired autos endorsement

employee leasing

employee leasing company

employee pension benefit plans

Employee Retirement Income Security Act (ERISA) liability

Employee Retirement Income Security Act (ERISA) of 1974

employee stock ownership plan (ESOP)

employee stock purchase plan

employee welfare benefit plans

employees as additional insureds

employers excess indemnity insurance

employers liability coverage

Employment Arbitration Agreement

employment-at-will doctrine

employment practices liability insurance (EPLI)

employment-related practices liability (ERPL) policy

employment risk

EMT

encapsulation

endangerment assessment

endemic disease coverage

endorsement

endowment insurance

energy release theory

enforceable requirements

enforcement decision document (EDD)

engaged in trade or business (ETB)

engagement letter

engineering

engineering insurance

Engineering Joint Contracts Documents Committee (EJCDC)

enterprise risk management (ERM)

entire contract clause

entity coverage

entity securities coverage

environmental assessment

environmental audit

environmental impact statement

environmental impairment liability (EIL) insurance

environmental liability buyout

Environmental Monitoring and Assessment Program (EMAP) data

environmental stop loss insurance

EPLI

Equal Employment Opportunity Commission

Equal Pay Act of 1963

equipment breakdown insurance

equipment floater

equitable estoppel

erection all risks insurance (EAR)

ergonomics

Erie Doctrine

ERISA liability

ERISA stock drop litigation

ERM

ERP

ERPL

error or omission in reporting endorsement

errors and omissions (E&O) clause

errors and omissions (E&O) insurance

escape provision

essential functions

estate plan

estimated premium

estoppel

ETB

event

event insurance

event risk

event triggered financings

evidence

evidence of insurability

exacerbation

exception (to exclusion)

excess

excess and surplus (E&S) lines insurance

excess cover

excess insurance

excess interest

excess liability 'follow form' policy

excess liability policy

excess limit

excess lines broker

excess loss premium (ELP) factor

excess of loss ratio reinsurance

excess of loss reinsurance

excess per risk reinsurance

excess point

excess workers compensation insurance

exchange transfer embargo indemnity

exclusion

exclusive agency system

exclusive remedy

exculpatory clause

executive officer

executor

exemplary damages

exempt motor carrier

ex gratia payment

exhibitor insurance

ex-medical coverage

ex parte hearings

expatriate

expected loss

expected morbidity

expected mortality

expected or intended

expected reinsurer deficit (ERD)

expediting expense

expediting expense coverage

expense

expense allowance

expense constant

expense load

expense ratio

expense reserve

experience

experience account

experience modification

experience modifier

experience rating

experience refund

expert

expiration

expiration file

expiration notice

export and/or import embargo indemnity

exposure

exposure base

exposure-in-residence theory

exposure rating

exposure survey

express authority

expropriation

extended coverage (EC) endorsement

extended discovery period

extended discovery provision

extended period of indemnity endorsement or option

extended reporting period (ERP)

extended term insurance

exterior insulation and finish systems (EIFS)

extortion coverage form G

extracontractual damages

extracontractual obligations (ECO)

extra expense coverage

extra percentage tables

extra premium

extraterritorial coverage

extremely hazardous substances

'extrinsic facts' test