Category Archives: Insurance

by | September 14, 2015 · 9:16 am

Hospitality Industry Risk Update: “5 Ways to Pummel Pests at Your Hotel”

“(Hoteliers) really should have an independent inspection of their vendors,” Rivard said. “The prime food producers throughout the country already do that. They’re checking them out,20150911_pest control whether they’re buying some ingredient or working with a pallet manufacturer.”

A hidden danger of record high demand is more guests walking through the door means a higher chance anything from bed bugs to cockroaches to rats and ants are following right behind.

One of the few things more disconcerting than the pests themselves is the effect they can have on your bottom line.

A recent survey conducted by researchers at the University of Kentucky showed a single online review mentioning a bed bug sighting caused many to immediately write off a hotel. The first reaction of 56% of potential guests will be to no longer consider staying at that property, 7% will shorten their stay and 12% will seek to avoid that hotel’s brand in the future.

The same survey, results of which have not yet been published, showed 60% of guests who spot a bed bug would immediately leave the hotel, which is almost three times as many as those who would leave after finding someone else’s blood somewhere in a guest room.

“It’s a maddeningly difficult problem to deal with,” said Michael Potter, an entomologist at the University of Kentucky and one of the authors of the study. “Everybody is dealing with bed bugs … but hospitality is especially vulnerable because people rely so much on social media when making decisions.”

The potential damage to your hotel’s reputation is only worsened when considering the fact that less than a third of those surveyed could identify successfully a bed bug, with many confusing other pests like lice, ants, termites and ticks for bed bugs.

The harsh reality is there are no 100% infallible methods to keep pests from darkening your doorways, but there are some things to make sure they’re less welcome after arrival.

Here are five ways experts seek to prevent pests.

For more: http://bit.ly/1gmpxiM

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Filed under Bed Bugs, Claims, Guest Issues, Health, Hotel Employees, Hotel Industry, Insurance, Maintenance, Management And Ownership, Risk Management, Training

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by | June 1, 2015 · 11:51 am

Hospitality Industry Risk Update: “Is Your Hotel Properly Collecting and Preserving Incident Related Evidence ?”

Videos can make or break a case. For example, in one case, video footage clearly showed that the plaintiff initiated the fist fight that was at the heart of his lawsuit.collecting evidence The video would have absolved the hotel from all liability, but the hotel failed to properly preserve this key piece of evidence.As a result, the case had to be settled instead of vigorously defended. Further, as digital surveillance systems continue to become the industry standard, judges have been less forgiving when it comes to claims that the pertinent footage was either lost or never preserved.

By the time a case reaches an attorney’s desk, all too often pertinent evidence either has been lost — or was never collected in the first place. California’s statute of limitations for a personal lawsuit is two years; consequently, an attorney’s first involvement in an incident on your property usually happens more than two years after the incident has occurred. If your hotel or resort has not properly gathered and preserved evidence, it becomes very challenging to recreate what transpired. Hence, it is imperative that; your hotel have formal written evidence retention policies; that first responders and security teams are properly trained on how to gather the evidence; and that hotel staff take steps to ensure that this evidence is preserved. Failing to collect and preserve evidence can turn a defensible case into a major settlement.

For more: http://bit.ly/1FPnjkz

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by | May 5, 2015 · 8:26 am

Hospitality Industry Conference Update: “Northern California Hotel & Lodging Conference”

CH&LA and AAHOA have once again partnered to present the annual Northern California Hotel & Lodging Conference.  This year the event is moving back to the DoubleTree San Jose.  Each year this event gathers together over 300 hoteliers who enjoynorcal-button-highres the free educational seminars, updates on industry topics and to attend the trade show.

The show will include the usual abundance of networking opportunities, general session luncheon, and of course the trade show, the largest of its kind in Northern California.  Over 100 vendors will be eager to show off the latest industry products, many who offer special rates and discounts for this conference.  There will also be a reception in the trade show at 4:00 pm, with appetizers, soft drinks, no-host bar and lots of networking.

For more: http://bit.ly/1zkW1gW

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by | April 28, 2015 · 9:00 am

Hospitality Industry Risk Management Update: “Settlement Deal Reached in Hotel Pool Electrocution”

The investigation showed that the Hilton Westchase did not meet city, state, and national electrical codes and that the pool did not have ground fault circuit interrupters (GFCI) on the pool lighting systemHouston Hilton – which are standard safety features in pool construction, or kitchen and bathroom design, where electrical systems might come in contact with water.

A final civil settlement was reached Monday in a hotel swimming pool electrocution death that a devastated family claimed was “gross negligence of epic proportions.”

Raul Hernandez Martinez, 27, died 6 days after the 2013 Labor Day weekend incident.

He and his family had gathered at the Hilton Houston Westchase hotel and several family members were in the hotel swimming pool when the pool lights came on.

Martinez’ little brother David Duran, 11, began to convulse in the deep end of the pool. Their mom, Maria Isabel Duran, tried to reach the boy but was shocked unconscious by the electrical current.

Family members pulled her from the pool where she was revived via CPR. Martinez, meanwhile, reached his little brother and pushed him to the edge where others pulled the boy out.

But Martinez became motionless as the current continued to surge through the pool.

Rescued and revived, he never recovered and was removed from life support 6 days later.

For more: http://bit.ly/1PSDdPN

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Filed under Claims, Guest Issues, Health, Hotel Industry, Injuries, Insurance, Liability, Maintenance, Management And Ownership, Pool And Spa, Risk Management

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by | March 13, 2015 · 9:55 am

Hospitality Industry Legal Update: “Marijuana: An Emerging Coverage Risk”

The federal government has greeted legalization by the states with benevolent indifference. The Controlled Substance Act categorizes marijuana as contraband for any purpose,medical marijuana including medical use, designating it a Schedule 1 drug along with heroin and LSD. The manufacture, distribution, or possession of marijuana remains a federal crime for which, if prosecuted, state legalization laws cannot be used as a defense.

The emerging legal marijuana economy will see explosive growth in the coming years. Insurers should be prepared to adopt policies that spell out coverage for legally grown marijuana plants and medical marijuana property. The cannabis industry is expected to grow to nearly $15 billion over the next four years. In states where manufacture, sale and use is legal for recreational purposes, legalization will have a profound impact on not only personal lines insurance, but also commercial coverage, workers’ comp, product liability, healthcare insurance and more.

Currently, 27 states have either decriminalized or legalized marijuana use in some form. Four states: Alaska, Colorado, Oregon and Washington, and the District of Columbia allow recreational use. In addition, recreational marijuana initiatives are expected to appear on the 2016 ballots in Arizona, California, Maine, Massachusetts and Nevada. According to a recent Gallop poll, 51% of Americans now support full legalization. In 2014, Oregonians voted to legalize marijuana by a 56 to 44% margin. More Oregonians voted to legalize cannabis than voted to retain their incumbent Democratic governor or senator in the same election.

For more: http://bit.ly/1Mybsbq

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by | March 5, 2015 · 9:32 am

Hospitality Industry Legal Update: “Veteran Says Hotel Dispute Over Service Dog Led to Arrest”

White suffered a traumatic brain injury and spinal wounds while serving with the U.S. Army in Afghanistanservice animal in 2012 when a 200-pound improvised explosive device detonated near his vehicle. The Wyoming, Mich., resident said he has been on anxiety medication and has been helped greatly by Camo.

A bill making its way through the Legislature may prevent situations like the one Monday night in which a young veteran was arrested at a Bonita Springs hotel after he, his family and his service dog were denied lodging.

Jason White, 34, was arrested at the Best Western following a dispute with the hotel manager and staff over his service dog, Camo. He was charged with battery and destruction of property, the Lee County sheriff’s report said, after he kicked and cracked a television and shoved the hotel manager, Vinit “Vinnie” Patel.

For more: http://newspr.es/1Ej6AHZ

And for more on the do’s and don’ts of service animals, check out the video below from Petra’s own P3 Risk Management Team.

[vimeo https://vimeo.com/102936915 w=500&h=281]

Petra Risk Solutions’ Director of Risk Management, Todd Seiders, offers a P3 Hospitality Risk Report – ‘ADA Service Animals: Do’s and Don’ts’. 

P3 (Petra Plus Process) is the Risk Management Division of Petra Risk Solutions – America ’s largest independent insurance brokerage devoted exclusively to the hospitality marketplace.

For more information on Petra and P3 visit petrarisksolutions.com or call 800.466.8951.

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by | February 9, 2015 · 11:02 am

Hospitality Industry Risk Management Update: “U. Michigan Frat Accused Of Causing $50,000 In Damage To Hotel ‘Embarrassed And Ashamed’ Of Behavior” (VIDEO)

“We had a group of a fraternity that was visiting and had an excessive party and did damage on the resort.frat party Food, beer, alcohol, the walls, carpet damage, ceiling broken down and furniture damage,” the Treetops Resorts general manager told local 9 & 10 News. He also said that the students had to be led out of the hotel by police.

The University of Michigan chapter of Sigma Alpha Mu released a statement Wednesday taking responsibility for a reported $50,000 worth of damage to a northern Michigan ski resort.

“We are embarrassed and ashamed of the behavior of a few of our chapter members at Treetops Resort over the weekend of January 17-18,” the fraternity said. “This behavior is inconsistent with the values, policies, and practices of this organization.”

The Sigma Alpha Mu members allegedly caused a reported $50,000 worth of damage. Two other UMich fraternities also reportedly caused thousands of dollars worth of damage to another nearby ski resort the same weekend.

For more: http://read.bi/1CMh6GM

And for more on how to manage special events, check out the video below from Petra’s own P3 Risk Management Team.

[vimeo https://vimeo.com/119141202 w=500&h=281]

Petra Risk Solutions’ Director of Risk Management, Todd Seiders, offers a P3 Hospitality Risk Report – ‘Managing Prom Nights & Grad Parties’. 

P3 (Petra Plus Process) is the Risk Management Division of Petra Risk Solutions – America ’s largest independent insurance brokerage devoted exclusively to the hospitality marketplace.

For more information on Petra and P3 visit petrarisksolutions.com or call 800.466.8951.

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by | February 3, 2015 · 9:09 am

Hospitality Industry Insurance Update: “Will Workers’ Comp Pay For Medical Pot For Back Pain?”

A workers’ compensation judge (WCJ) found Dr. Reeve didn’t prescribe medical marijuana and concluded that the pot program wasn’t reasonable and necessary medical care as required by workers’ compmedicalmarijuana…the appeals court had found the certification required under the Compassionate Use Act by a person licensed in New Mexico to prescribe and administer controlled substances is the functional equivalent of a prescription.

In a state where medical marijuana is legal, a recent court decision has reinforced a previous one regarding pot prescriptions under workers’ comp. 

Miguel Maez suffered injuries to his lumbar spine in February and March 2011 while working for Riley Industrial in New Mexico.

Maez received temporary disability benefits under workers’ comp. Dr. Anthony Reeve treated him for back pain starting in June 2011 and prescribed medication for pain management. He also referred Maez to another doctor for spinal injections.

During a test required for pain management patients, Maez tested positive for marijuana. Dr. Reeve told Maez that if he was going to continue to take marijuana, he needed to have a license for Dr. Reeve to continue administering other narcotics.

For more: http://bit.ly/1BSqcfS

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by | January 22, 2015 · 11:22 am

Hospitality Industry Management Update: “Here Are The Top 5 Business Risks For 2015”

For businesses, the main cost of a cyber attack involves the impact to their reputation and the resulting financial damages, as well as the loss of customer business. The breaches at Sony, Target, Staples and Home Depotlocks demonstrated the damage that can be caused to corporate reputations. Seventy-one percent of customers indicated they would leave an organization following a data breach according to the Edelman Privacy Risk Index

The globalization of today’s economy means that businesses are more interconnected than ever, creating a greater risk of business interruption, supply chain disruption, and exposures that can quickly multiply.

According to UNCTAD, over the last 50 years the number of multinational companies has grown exponentially from 7,000 to almost 104,000, and could reach more than 140,000 by 2020.

The Allianz Risk Barometer 2015 surveyed more than 500 risk managers and corporate insurance experts in 47 countries to identify the primary challenges facing businesses this year. Some risks such as political upheaval, cybercrime and business interruption were viewed as a greater risk, while natural catastrophes, technological innovation and market stagnation were viewed as having less of an impact.

Here is a look at the top 5 business risks for 2015 as identified by the Allianz Risk Barometer.

For more: http://bit.ly/1unPPlX

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by | January 8, 2015 · 8:45 am

Hospitality Industry Legal Update: “House Passes Terrorism Insurance Bill”

“Already, companies are having trouble getting terrorism insurance, and many companies that had terrorism insurance have now lost it because thereJ_Mq7AKo were clauses written into their policies that said if TRIA is not there, they do not have the insurance coverage,” said Rep. Carolyn Maloney (D-N.Y.).

The House voted to reauthorize the Terrorism Risk Insurance Act (TRIA) on Wednesday, sending the legislation to the Senate.

The measure passed overwhelmingly by a vote of 416-5, with one lawmaker voting present.

Lawmakers failed to reauthorize the program during the last Congress, and it expired on Dec. 31, leading to uncertainty in the business community.

For more: http://bit.ly/142RaaB

 

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