Glossary

Employer responsibility coverage is needed if the insured employs workers outside the United States or maintains a physical location in another country, also referred to as a foreign voluntary workers compensation (FVWC) policy.

Employment-at-will doctrine holds that absent a contract, both employers and employees are free to terminate the employment relationship at any time, with or without cause or notice.

Employment-related practices liability (ERPL) policy covers employment practices liability (EPL) exposures promulgated by Insurance Services Office, Inc. (ISO), and filed in the various states for use by its member insurers.

An employment arbitration agreement is a contract between an employer and an employee, sometimes signed prior to employment and in some instances after employment has begun, in which both parties agree to submit any employment-related disputes to arbitration, rather than to the traditional court process.

employment practices liability insurance (EPLI) is a type of liability insurance covering wrongful acts arising from the employment process.

Employment risk is a risk that is inherent in an employee's job or work site.

Encapsulation is the treatment of asbestos-containing material with a liquid, either covering the surface with a protective coating or embedding fibers in an adhesive matrix, to prevent release of the asbestos into the air.

An endangerment assessment is a study to determine the nature and extent of contamination at a site on the National Priorities List (NPL) and the risks posed to public health or the environment.

Endemic disease coverage specifies workers compensation and employers liability coverage will apply to injury/death of an employee arising out of a disease that is peculiar to a foreign country, even though the disease is not covered under the workers compensation or occupational disease laws of the designated state.

An endorsement is an insurance policy form that either changes or adds to the provisions included in one or more other forms used to construct the policy, such as the declarations page or the coverage form.