“Many small franchisees have EPLI as part of the BOP policy,” Murphy said. “But unfortunately, these are not complete policies. There are often lofty policies, or they are approved on the BOP, and the EPL’s restrictions are very small. [After all]sometimes it is necessary to call a lawyer several times to help defend the claim, and the sublimits are exhausted. Like other economic costs, the cost of claims has increased over the years, from the cost of defending to the average settlement payment. Therefore, the $50,000 or $100,000 sublimit in the BOP is not enough. ”
