COMMUNITY INDEMNITY SHIELD

About Us

What We Do

Community Indemnity Shield provides liability protection for residents at select apartment communities and monitors 3rd party liability compliance for those communities.

What is the Community Indemnity Shield Option

Community Indemnity Shield helps residents fulfill the requirements set forth in their lease to maintain qualified liability protection for their unit. Enrolling in CIS releases the residents from their "Indemnity Obligation" , up to the owners property insurance deductible, and only for accidental damage caused by the Resident or Resident's guest that exceeds $200 and originates from fire, water or smoke.

Additional Information

The Community Indemnity Shield program is NOT insurance and DOES NOT provide insurance

coverage or protection for personal property, personal liability or any other claim or loss made

by third parties, including by other residents.

Difference Between Community Indemnity Shield and Renters Insurance.

Community Indemnity Shield provides the resident peace of mind that if they cause accidental

damage as noted in the addendum, they will not be held financially responsible for the damage to the

apartment building up to the owner’s property insurance deductible. Differences between standard Renters Insurance and CIS include:

• Generally cheaper than renter’s insurance

• Resident is automatically enrolled (no resident action required)

• Easiest option for resident

o Resident automatically enrolled

o Resident does not have to submit a claim to insurance in the event of an incident

• The CIS program does not provide reimbursement of ANY personal property

• The CIS Fee is locked during the term of the lease, and would not increase due to the resident

causing a CIS related accident

• The CIS benefit extends to residents and their guests (no need to add additional insured occupants)

Requirements for opting out of the Community Indemnity Shield Program (3rd Party Renter's Insurance)

Residents may opt out of the Community Indemnity Shield program at any time by submitting

evidence of qualified renter liability insurance via email to info@indemnityshield.com.

Once evidence of qualified renter liability insurance is received and approved, charges for the Fees would end, and

a pro‐rata credit for the balance of the current month would be given. No credits are issued for any

period of time in which qualified renter’s insurance was not approved and provided

Qualified renter’s insurance policies MUST contain the following:

1. A personal liability limit with a minimum of $100,000

2. Resident name and address (Roommates must be listed as additional insured or provide

separate policy)

3. Policy start and end dates

4. Policy number

5. The following must be listed as an “additional interest”, “interested party” or “certificate

holder” on the policy.

Community Indemnity Shield

(Legal Property Name)

4370 La Jolla Village Drive

Suite 960

San Diego, CA 92122

Community Indemnity Shield Availability

Community Indemnity Shield is only available at select apartment communities in the U.S. Please inquire with your communities management staff about availability prior to contacting CIS for more information.

FAQ's

Is additional interest the same as additional insured?

No, they are not the same. Additional interest on the policy just lets Community Indemnity Shield

receive any changes, cancellations, renewals, and reinstatements to the resident’s policy. They are

not insured under the policy.

Why does Community Indemnity Shield need to be listed on the certificate of insurance and

can it make changes to a policy?

Community Indemnity Shield is required to be listed on the evidence of coverage so that it receives

notice should the policy be canceled, or coverage requirements change during the term of the lease.

Adding an “additional interest”, “interested party” or “certificate holder” does not allow such person

or entity to make changes to the policy.

If an insurance company will not add Community Indemnity Shield as an “additional

interest”, “interested party” or “certificate holder” does a resident have to purchase

insurance from a different company?

The short answer is yes. However, it is possible that there is a misunderstanding of what is being

requested of the insurance company. Typically, a phone call to the agent can quickly resolve this

misunderstanding. In some rare cases, an insurance company may refuse to add Community Indemnity Shield as

an “additional interest”, “interested party” or “certificate holder”. If that occurs, the resident will need to enroll in the

Community Indemnity Shield program or find a new insurance provider that is willing to comply

with the requirements set by the community.

Do roommates need to be listed on the renters insurance policy?

Roommates over the age of 18 must be listed as an additional insured on the policy or obtain a

separate renters insurance policy. If a unit with multiple tenants has an approved renters insurance

policy that does not list the roommates as an additional insured, that unit will continue to be enrolled

in the program until all tenants living in the unit have or are listed on a policy.

*A spouse does not need to be listed as an additional insured.

** Siblings over the age of 18 may need to be listed as an additional insured or secure their

own policy if it is not included in their existing coverage.

Is faxing insurance certificates allowed?

No, we do not accept a certificate via fax from the leasing staff or the resident. The resident or site staff will need

to email the info to info@indemnityshield.com.