This is a burgeoning body of law. Wrongful termination, harassment, and discrimination, real or imagined, have become popular reasons to bring an action. Very often, a governmental agency is involved as well. Some statistics show that the typical case produces $100,000 in defense cost and $350,000 in settlement. It has also been said that the federal courts now have an alarming number of these suits on the docket. From our surveys, most seafood businesses have had incidents that would have been covered by this insurance. From our experience, the most cost effective way to purchase EPL is by combining it with Director's & Officer's insurance