“A lot of small franchise owners have EPLI as part of their BOP policy,” Murphy said. “But unfortunately, those are not complete policies. There are often sublimits, or they’re endorsed onto a BOP and the limit for EPL is very small. [After all], sometimes it takes a couple of calls to a lawyer to help defend the claim and the sub-limit is exhausted. Just like the rest of the economy, the cost of claims has increased over the years, from the cost to defend to the average settlement payment. So, a $50,000 or $100,000 sub-limit in a BOP is just not sufficient anymore.”