Tenant Discrimination Liability Coverage from Bailey Special Risks
Bailey Special Risks, Inc. (BSR) offers a specialized Tenant Discrimination Liability insurance program designed to protect property owners, managers, and associations from costly legal actions related to alleged housing discrimination. With increasing scrutiny and enforcement by federal, state, and local agencies, having dedicated protection for tenant discrimination exposures is critical for your property clients.
This program is underwritten through Evanston Insurance Company and is available on a non-admitted basis. It addresses a growing concern for residential and commercial property owners facing claims from current, former, or prospective tenants.
Ideal Accounts and Target Classes
This program is tailored for a variety of property professionals and entities, including:
- Owners and managers of residential garden apartment buildings
- Property management firms handling residential, retail, office, or industrial space
- Corporations with mixed-use real estate portfolios
- Condominium and homeowners associations
- Large-scale property managers overseeing thousands of residential units
Example: You might have a client who manages 3,750 residential units along with retail, office, and industrial properties. This program is designed to address the risks they face from potential discrimination claims across all property types.
Coverage Highlights and Key Features
The Tenant Discrimination Liability program offers comprehensive protection against claims tied to violations of the Fair Housing Act and similar regulations. Coverage highlights include:
- Defense and indemnity for claims of wrongful discrimination
- Coverage available for class action lawsuits
- Claims brought by HUD or local housing authorities
- Coverage under the Fair Credit Reporting Act
- Punitive damages coverage where permitted by law
- Public relations expenses up to 2.5% of the policy limit
The policy is designed to help your clients manage reputational risk, legal expenses, and potential settlements arising from discrimination allegations—intentional or otherwise.
Underwriting Notes
Placement is subject to underwriting review. Ideal submissions include detailed property profiles, management practices, and any prior claim history. While there is no listed minimum premium, submissions with complex or large risk exposures should be prepared to meet market-driven pricing expectations.
States Available
This program is available in most states, including but not limited to: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, and WY.
Why Work With Bailey Special Risks?
BSR is a trusted wholesale broker with access to specialty markets and a strong focus on hard-to-place risks. With deep experience in real estate-related liability exposures, BSR delivers responsive service and tailored solutions to help you meet your clients’ needs. Whether you're working with a single property owner or a large management firm, BSR provides the underwriting access and program knowledge to help you close the deal.