Tenant Discrimination Liability Coverage from Bailey Special Risks
Bailey Special Risks, Inc. (BSR) offers a specialized Tenant Discrimination Liability program designed to help agents place protection for property owners, managers, and associations facing allegations of housing discrimination. With growing enforcement activity by federal, state, and local agencies, this non-admitted program provides focused coverage for claims made by current, former, or prospective tenants.
The program is underwritten by Evanston Insurance Company and is offered through BSR on a non-admitted basis. It is intended for insureds that need a standalone discrimination liability solution in addition to their general liability or management liability placements.
Ideal Accounts and Target Classes
This program is well suited for a range of property professionals and entities, including:
- Owners and managers of garden-style residential 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 management companies overseeing thousands of residential units
Example: You might have a client who manages 3,750 residential units plus retail, office, and industrial properties. This program can address discrimination exposure across all of those property types under a single placement.
Coverage Highlights and Key Features
The Tenant Discrimination Liability program provides targeted protection for allegations tied to violations of fair housing and related laws. Key features include:
- Defense and indemnity for claims of wrongful discrimination
- Coverage for certified class action suits, subject to policy terms
- Claims brought by HUD or other housing authorities
- Coverage for exposures under fair credit reporting laws
- Punitive damages coverage where allowed by law
- Public relations expense coverage up to 2.5% of the policy limit to help manage reputational risk
This coverage is intended to help clients manage legal costs, settlements, and reputation management following discrimination allegations—whether the conduct was intentional or alleged to be discriminatory through practices or policies.
Underwriting Notes
Placement is subject to underwriting review. Strong submissions include detailed property schedules, descriptions of screening and leasing procedures, written policies, training materials, and prior claim or regulatory history. There is no published minimum premium; however, complex or large account placements should expect market-driven pricing.
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 specialty wholesale broker with deep experience placing hard-to-place real estate liability risks. As a single point of access to Evanston Insurance Company and other specialty markets, BSR offers tailored underwriting, quick turnaround on submissions, and guidance on risk mitigation to help you close business for your clients.
Whether you represent a single-property owner or a national management firm, BSR can help package the right information, position the account for acceptance, and negotiate terms appropriate to the risk.