Earthquake coverage: Purchased as a separate policy as most property policies do not protect against damage by earthquake.

EE = short for Employee.

ES = Employee and Spouse.

EC = Employee and Child.

EF or Efam = Employee and Family.

Eligible dependent: Colorado dependent means a spouse, an unmarried child under nineteen years of age, an unmarried child who is a full time student under twenty four years of age and who is financially dependent upon the parent, an unmarried child who is under twenty-five years of age and who has the same legal residence as the parent, or is financially dependent upon the parent, and an unmarried child of any age who is medically certified as disabled and dependent upon the parent.

Eligible employee: Colorado Eligible employee means an employee who has a regular workweek of twenty-four or more hours, but does not include an employee who works on a temporary or substitute basis. An eligible employee of a small employer who could also be considered a dependent of the small employer shall receive taxable income from such small employer in an amount equivalent to minimum wage for working 24 hours per week on a permanent basis for the employer to be considered a business group of two or more.

Employee benefits liability (EBL): Covers errors and omissions in the administration of the insured's employee benefits such as health insurance or pension benefits.

Employer contribution: The amount an employer contributes toward the premium costs of the insurance contract. Employer contributions can be based on dollar amounts, percentages, employment status, length of service, single or family status, or other variables or combinations of these.

Employer's liability insurance: Coverage protecting an employer against claims, which are not covered under workers' compensation statutes, alleging employer negligence stemming from work-related injuries, illness or death. Claims may be filed by injured workers or their spouse or family members for economic losses. This policy is generally bundled with workers' compensation coverage.

Employment practices liability insurance (EPLI or EPL): Insurance that provides coverage for claims arising out of employment practices. EPLI policies generally cover the organization, its directors, officers, and employees.

Endorsement: Part of most insurance policies; policy forms that modify the main coverage form; changes to the policy language.

Equipment breakdown insurance: Supplements property insurance (which specifically excludes physical damage and financial damage stemming from equipment breakdown) to cover the unique causes that can damage equipment. Was known as boiler and machinery coverage.

Evidence of coverage: A policy, certificate or summary provided by an insurer to an insured or by a health benefit plan sponsor to an enrollee, which describes at least the essential contract provisions. Evidence of coverage is often required when enrolling into a new health plan.

Excess liability insurance: Provides coverage over and above primary insurance. The coverage is triggered when the amount of a loss exceeds (exhausts) an existing primary policy. Excess liability coverage mirrors the terms and conditions of the underlying policy.

Exclusions: Part of every insurance policy; policy provisions that eliminate coverage for specified exposures.