The on-site manager of a company discourages its workers from taking breaks, and the manager often pleads with the workers to stay a little later many nights to finish tasks and clean-up, without paying overtime, because he lacks authority to pay overtime. The workers get wise to what is happening and sue for back wages for the past 3 years, and damages. The company has an employment practices liability policy, with a retro date 2 years back. Discuss how this insurance should deal with this claim.