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Quick Tip #13: Am I Covered?
This week’s tip is provided by Karie Martin:
Question: I just evicted a tenant for non-payment of rent. Now, they are threatening to sue me for racial discrimination.
Will my general liability insurance cover me for this if they sue me? Answer: No. It wont.
General Liability coverage excludes intentional acts and discrimination is legally defined as intentional. To get coverage for racial, religious, sexual, etc. discrimination claims by tenants, you need to purchase Employment Practices Liability with 3rd Party Coverage.
Tenant discrimination claims are on the rise.
Karie Martin is Senior Account Manager with Mobile Insurance Agency in Woodlands, Texas.
See last week’s Landlord Quick Tip.
See our feature, Got Renter’s Insurance?
American Apartment Owners Association offers discounts on products and services for landlords related to your real estate investment including REAL ESTATE FORMS, tenant debt collection, tenant background checks, insurance and financing. Find out more at joinaaoa.
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