https://completemarkets.com/company/capitolspecialrisks/tenant-discrimination-coverage/
Tenant Discrimination Insurance from Capitol Special Risks provides targeted protection for property owners, managers, and supervisory personnel facing allegations of discrimination by current, prospective, or former tenants. This coverage helps shield your insureds from defense costs and potential settlements arising from claims related to race, gender, disability, religion, familial status, or other protected categories.
Program Overview
Capitol Special Risks places this specialized Tenant Discrimination program with multiple carriers—some admitted markets are available. Limits range from $100,000 to $1,000,000 with a typical minimum self-insured retention (SIR) of $5,000. The program is designed to protect the entity as well as directors, officers, partners, shareholders, and supervisory staff from tenant discrimination claims, and is structured to be flexible for a variety of portfolio sizes.
Ideal Accounts and Preferred Classes
This program is a strong fit for agents placing:
Residential property managers and owners — apartment complexes, condos, single-family rentals, and specialty units such as boat slips
Commercial property managers and landlords — office buildings, retail centers, and industrial/warehouse spaces
Portfolio owners managing mixed-use or multi-property groups
Example scenarios you might place: a mid-sized apartment complex facing a discrimination allegation after a denied accommodation request, or a small commercial landlord accused of biased tenant selection during leasing. These are the types of exposures the product is meant to address.
Coverage Highlights
Full prior acts coverage available for most risks (subject to underwriting)
Insureds typically have freedom of counsel choice
Available for both residential and commercial property classes
Optional one-year Extended Reporting Period (ERP)
Underwriting Notes & Minimum Premiums
Underwriting evaluates accounts based on portfolio size, claims history, tenant mix, and documented tenant-management practices. Minimum premiums vary by carrier and account profile. Capitol Special Risks offers quick turnaround on submissions and does not charge broker fees, helping you place business efficiently.
Territory and Market Access
This Tenant Discrimination program is available in most states across the U.S., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. Coverage can be placed through a combination of admitted and non-admitted markets depending on the state and account characteristics.
Why Work With Capitol Special Risks
Capitol Special Risks is a wholesale broker with deep experience in niche liability exposures for property owners and managers. Their underwriting team understands the legal and operational challenges of managing tenant relationships and offers tailored solutions, multiple carrier options, and responsive service. The combination of admitted and non-admitted markets gives you placement flexibility for accounts that may not fit standard carriers.
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for residential, commercial, and industrial property managers and owners, including those with mixed-use portfolios.
What are the available coverage limits?Limits range from $100,000 to $1,000,000, with a minimum self-insured retention of $5,000.
Does this policy cover past incidents?Yes. Full prior acts coverage is available for most risks, subject to underwriting approval.
Is there flexibility in choosing legal counsel?Yes. Insureds generally have the freedom to select their own legal counsel under this program.
How quickly can submissions be processed?Capitol Special Risks provides fast turnaround times and does not charge broker fees, helping you place business efficiently.
Need help placing an account? Connect with a market specialist.