Smoke-Free Credit

Apartment building owners and

condominium associations can now

receive a 10 percent credit for

smoke-free housing units.


CIG supports non-smoking housing units with a 10% credit.


Capital Insurance Group offers a 10 percent Apartment and Condominium Smoke-Free premium credit to property owners and condominium associations who maintain a smoke-free environment in their buildings and units, effective immediately. CIG is answering the call by commercial property owners, consumers and employees to adapt to the trend in smoke-free multi-unit housing.

“As the leader in apartment property insurance, we are always looking for new initiatives to add value to our existing insurance programs. As a result, we are providing a premium discount to those property owners who offer smoke-free housing,” said Jim Geisler, Northwest Branch Manager at Capital Insurance Group. “This is the right move, at the right time, and in the best interest of all parties.”

In December 2007, The National Apartment Association’s, UNITS magazine, reported, “Fortunately, what is in the best interest of resident health is also in the best interest of community owners’ bottom line.” Since 2007, the trend toward smoke-free multi-unit housing has grown nationally and globally.

For property owners, the economic benefits are numerous including lower rehab costs for smoke-free units, faster turnover time due to less preparation and repainting, less wear ‘n’ tear on ventilation systems, discounts on property casualty insurance, and lower fire risk.

“We feel this new premium credit program recognizes the efforts of property owners, managers, and developers who maintain safer, cleaner, smoke-free residential units, and it provides another consideration for those who are weighing the benefits of converting their units to smoke-free properties,” said Sandie Borthwick, Marketing Manager at Capital Insurance Group. “This program will ultimately be a great benefit to our policy holders’ customers, who are their most important asset.”



Learn more about the Smokefree Apartment House Registry.


Connect with your CIG Insurance Advisor today!

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Insure your apartment building against the perils of loss, damage, liability or business interruption. Be ready to respond to nearly any unforeseen situation: theft, disaster, lawsuit, breakage ... and more.

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Smoke-free Apartment Benefits

As Featured in Apartment Insight Magazine (pgs. 8-9)



Tools for your business from

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The Protector Network

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The Protector Network includes risk management tools for business, savings opportunities on safety and security products and services.

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