Glossary

Extremely hazardous substances refer to a list of chemicals maintained by the Environmental Protection Agency (EPA) that the EPA has identified as toxic and listed under the Superfund Amendments and Reauthorization Act (SARA) of 1986 Title III.

The "extrinsic facts" test is a guideline to establish whether an insurer owes a duty of defense to its insured. A defense is owed when the actual facts of a claim or loss match the provisions of the insurance policy, regardless of the language in which the claim is asserted against the insured.

Ex gratia payment is Latin for "by favor." It is a voluntary payment made by the insurer in response to a loss for which it is not technically liable under the terms of its policy.

Ex parte hearings are hearings where due to extenuating circumstances, one party seeks immediate relief from the court. Ex parte hearings are for the benefit of one party only. "Ex parte" is a latin term that means "from the party."

Environmental impairment liability (EIL) insurance is a specialized insurance policy that covers liability and sometimes cleanup costs associated with pollution.