The Fair Housing Act defines appropriate behavior in the relationship between landlords and tenants.  While a landlord or property manager may believe that they have acted appropriately in their dealings with their tenants, their tenants may have a different perspective.  Often, a disgruntled tenant may believe litigation is the only recourse.  While a landlord may have success in managing properties, will the same hold true when it comes to managing litigation?

Important considerations in this enviroment include claim defense costs, implications of the Fair Credit Reporting Act, HUD involvement in claims, and public relations expenses.  Has your client given careful thought to these exposures?

If you have a client who owns or manages commericial or residential rental properties, contact your Markel underwriter for more information.

• Apartments and other residential rental properties
• Commercial and retail space

• Claims made and reported basis
• Coverage afforded on a pay-on-behalf-of basis with the insurer having the duty to defend
• Coverage applies to claims arising from wrongful discrimination made by a tenant or an authority acting on behalf of a tenant
• Coverage includes public relations coverage for costs associated with publicity expenses necessary to respond to adverse publicity in the media
• A 5% co-insurance obligation, capped at 3% of the aggregate policy limit, applies to damages only
• Automatic coverage for newly acquired properties for up to 60 days from the date of acquisition

For complete terms and conditions, refer to the policy itself.  Coverage is subject to exclusions in the policy.