Capital Insurance Group Offers Smoke-Free Premium Credit To California Landlords; New Rental Unit Non-Smoking Law Now In Effect

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CIG is the leader in offering smoke-free insurance to apartment building owners and condominium associations in the Western US.

“As the leader in apartment property insurance, we look forward to our CIG agents in California working with landlords to assist in their efforts to convert complexes to a smoke-free environment,” said John McLaughlin, CIG’s Field Operations Manager.

The new California State Law, SB 332, makes it easier for landlords to convert their rental property into a smoke-free environment. With over 30 percent of California residences being multi-family housing, Capital Insurance Group’s, (CIG) expertise in smoke-free coverage may make the decision to go smoke-free for California landlords even more appealing.

Effective January 1, 2012, landlords are permitted to enforce strict restrictions against smoking on a residential rental property. These restrictions will extend from within the dwelling unit as well as anywhere on the premises. (For more information, go to:

CIG has been offering a smoke-free premium credit to multi-housing property owners in California, Arizona, Nevada, Oregon and Washington, for two years.

“The decision to offer a smoke-free rental unit is now much easier for California landlords. CIG is pleased to offer a credit that reflects the safe practices of the property owners and managers who take such preventative measures against fire risk” said Ken Stewart, CIG Products, Commercial Compliance & Commercial Lines Manager.

CIG’s smoke-free premium credit is only one of many benefits to a smoke-free environment. A smoke-free apartment credit can translate into significant annual savings for an apartment owner. 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, as well as less wear and tear on each rental unit. The owners also benefit by having fewer insurance claims—saving them both time and money.

“As the leader in apartment property insurance, we look forward to our CIG agents in California working with landlords to assist in their efforts to convert complexes to a smoke-free environment. As a result, we are providing a 10 percent premium credit to those property owners who offer smoke-free housing,” said John McLaughlin, CIG’s Field Operations Manager.

For more information on the CIG Smoke-Free Credit visit
About Capital Insurance Group
Capital Insurance Group® (CIG) is the leading regional property and casualty insurer serving the Western U.S. CIG insures personal auto, homeowners, condo owners, vacation property, renters, apartment building owners, and many kinds of commercial and agricultural auto and property. The more than 113-year-old company is rated “A” (Excellent) by A.M. Best, the independent financial monitor of the insurance industry. For the seventh time in the last decade, it has been selected for the Ward’s 50 as one of the most secure and efficient property/casualty insurers in the U.S. CIG manages personal, business, and agriculture risks underwritten by its five affiliates: California Capital Insurance Company, Eagle West Insurance Company, Nevada Capital Insurance Company, Monterey Insurance Company, and Capital Risk Management Insurance Company. Types of policies may vary from state to state. For more information, please visit
CIG Delivers More. Continuously.™

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Lisa Mayo-DeRiso
Mayo & Associates
(702) 292-9976
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