Category Archives: Insurance

by | April 22, 2014 · 9:18 am

Hospitality Industry Legal Update: “Hotel Hospitality: How to Stay on the Right Side of the Law”

“…No hotel firm wants to see their guests get hurt or for customer death to occur that they may have contributed to. Tragedies such as these are usually completely avoidable if the hotel Image follows health and safety and hospitality law guidelines for their guests. To keep on the right side of the law make sure you are fully up to date on your legal obligations towards your clients…?

The Hilton chain of hotels and its related businesses are being sued after the death of 27 year old Raul Hernandez Martinez, who was electrocuted after using a swimming pool at the Hilton Houston Westchase Hotel. According to Chron.com, he and his relatives had been using the pool on the evening of August 31st 2013 when the pool lights turned on as it began to get dark.

People began to complain of being shocked by electrical current and a child that was swimming at the deep end began to get into difficulties. On swimming over to him to assist him, Mr. Martinez was shocked and began convulsing.  Although he managed to lift the child out of the water, he was unable to get out. When he was pulled out, he had gone into cardiac arrest. He died six days later in the intensive care unit of the local hospital.

For more: http://hlconverge.com/index.php/component/k2/item/831-hotel-hospitality-how-to-stay-on-the-right-side-of-the-law

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Filed under Guest Issues, Hotel Industry, Insurance, Liability, Management And Ownership, Risk Management

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by | April 16, 2014 · 9:06 am

Hospitality Industry Insurance Update: “Insurance Recovery for Business Interruption & Slowdown”

“…When claims arise, insurance companies will often look for ways to deny coverage or diminish their exposure to the loss. After charging you premiums based on the entirety of your business operations, these insurance companies should not be so quick to deny coverage to you on the grounds that Image you merely suffered a slowdown or partial interruption. If your insurance company is not fully cooperating, you should engage the services of an insurance recovery attorney who can assist you in getting the insurance company to honor its obligations under the policy…”

What happens when a hotel suffers property damage, whether by natural disaster or man-made accident, and is forced to close some or all of its rooms, amenities or services? It is important to understand how insurance can protect you from the resulting financial loss. In addition to potential recovery for property damage from your property/casualty policy, you may be able to recover lost revenue from your business interruption coverage. If your operations are disrupted, whether completely or partially, the language of your policy will determine if, and for how long, your insurance company will cover such loss.

For more: http://hlconverge.com/index.php/component/k2/item/825-insurance-recovery-for-business-interruption-slowdown

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by | March 21, 2014 · 8:23 am

Hospitality Industry Liability Update: “3 People Killed in Deadly Fire At New Jersey Hotel Read”

“…The New Jersey Hotel is only of few blocks from the beach and most of its guests work in the fishing industryImage or are building contractors in the area. Many of the residents at the hotel have been displaced by Hurricane Sandy and forced to stay in the hotel until they can afford to repair their homes…”

 

A deadly fire took the lives of three people and critically injured at least three more, when a New Jersey hotel burst into flames.

Mariner’s Cove Motor Inn at Point Pleasant Beach, suddenly caught fire early this morning and had firefighters struggling to control the flames.

The Jersey shore hotel was completely destroyed by the blaze and upon entering the building firefighters discovered the bodies of three guests that couldn’t escape the inferno.

For more: http://americanlivewire.com/2014-03-21-3-people-killed-in-deadly-fire/

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Filed under Fire, Guest Issues, Hotel Industry, Insurance, Liability, Management And Ownership, Risk Management

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by | March 14, 2014 · 8:56 am

Hospitality Industry Risk Management Update: “Code Violations Plagued The Majestic Hotel Before Fire”

“…In an evaluation of the hotel in 2012, the fire chief predicted the hotel’s ultimate demise stating, “In the event of a fire it is anticipated portions of the yellow brick will begin to fail at an early state in the fire’s development.Image To place the cities firefighters inside the yellow brick building under those firefighting conditions is to needlessly expose them to injury or death…”

Two weeks ago today an historic hotel, more than 100 years old, went up in flames. Tonight, we’re learning more about what Hot Springs city leaders did to try and prevent the Majestic Hotel fire. Talk to just about any Hot Springs resident and they’ll give you a memory of the Majestic.

One bystander said, “That was the restaurant there and 20 years ago my husband and I had our first date there.” Another person said, “We had our wedding reception in the Majestic.” In the 1950’s the hotel became so popular, construction crews added on to it.

For more: http://www.arkansasmatters.com/story/d/story/code-violations-plagued-the-majestic-hotel-before/52879/rJ44s7w9-ku2EpG5lLKoGw

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Filed under Fire, Hotel Industry, Insurance, Maintenance, Management And Ownership, Risk Management, Structural Damage

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by | March 13, 2014 · 8:43 am

Hospitality Industry Risk Management Update: “NWC Student Dies in Fall at Denver Hotel”

“…Thamba’s death remains under investigation, according to Sonny Jackson, a spokesman for the Denver Police Department, but foul play is not suspectedImage….Thamba fell from a balcony at the Holiday Inn Denver East at 3333 Quebec St. between 3-4 a.m. Tuesday, Jackson said. How far he fell, and what caused the fall, have not been determined, Jackson said…”

An international student attending Northwest College died early Tuesday morning when he fell off a balcony at a Denver hotel.

Levy Thamba, of the Republic of Congo, Africa, began attending Northwest in late January. He apparently traveled to Denver during the college’s spring break.

For more: http://www.powelltribune.com/news/item/12164-nwc-student-dies-in-fall-at-denver-hotel

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

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by | February 12, 2014 · 8:30 am

Hospitality Industry Guest Safety Update: “Placing Guests at the Heart of Safety”

“…Risk, along with return, is perhaps the most important part of any business calculation. Risk has to be managed correctly and one way of doing this is to have a risk strategy. A risk strategy helps everyone understand the importance of risk awareness.  It is useful because it sets down in black and white the kind of things you will and won’t do. It’s always difficult to look away when there is an opportunity to make more money and in the heat of the moment one can throw caution to the wind…”

When one purchases a high-priced item, it is natural and reasonable to expect a high-quality of performance. For most people, cars and holidays count as the two highest priced items of regular expenditure. People save money to take their annual holiday and also put aside money to be able to purchase a newer car.
During the past two to three decades, the automobile industry has made vast strides towards improving the quality of their products to the extent that faults on new cars are now a rarity. Yes, occasionally, manufactures ‘recall’ certain models owing to production defects, but the percentage of recalled cars is a tiny fraction to that of the thousands of cars that are globally sold daily.

For more: http://www.dailymirror.lk/business/features/43010-placing-guests-at-the-heart-of-safety.html

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by | February 4, 2014 · 9:00 am

Hospitality Industry Liability Risk: “Legally Speaking: Avoiding Bath Fall Liability”

“…But knowing that shower areas present risks is not a trade secret shared only among guests. Hoteliers are also in the know. That fact imposes on inns a duty to take reasonable steps to prevent foreseeable bathroom mishaps. bathThose steps include installation and ongoing maintenance of any of the following: non-skid strips on the tub or shower floor, a bathmat, handrails along the walls of the tub for gripping and/or like devices designed to reduce the dangers. Failure to provide, and keep in good form, these simple apparatus deprives the guest of protection against falling, and in many states opens the door, to a founded lawsuit…”

Some issues in hotel law come and go. Falls in slippery bathtubs have a sticking quality. Liability in this type of lawsuit can be avoided but it takes some attention to those porcelain bastions of cleanliness.

In the typical case a guest is showering, loses his balance and falls. Because floors and walls surrounding showers are customarily rock-hard, injuries are likely to occur and be substantial.

So, who’s at fault? The answer is: it depends. Yes, guests should know that tubs and shower stalls are, by their very nature, slippery and potentially dangerous. And, yes, guests should therefore use caution to protect themselves from injury.

For more: http://hlconverge.com/index.php/component/k2/item/781-legally-speaking-avoiding-bath-fall-liability

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Video

Hospitality Industry Legal Risk: “Parents File Lawsuit on Behalf of Teenage Girl Critically Injured in Panama City Parasailing Accident”

“…This lack of oversight means no one is keeping tabs on parasailing operators to make sure ropes that are damaged by sun and saltwater are replaced,” said Chalik who has spent years pushing for reform. “Parasailing should be a fun and safe activity, but parasailing companies that cut corners or disregard the safety of their customers can turn the popular beachside pastime into a dangerous and even deadly trip…”

PANAMA CITY, FL and ROANOKE, IN–(Marketwired – January 23, 2014) - The family of an Indiana teenage girl critically injured in a horrific parasailing accident last summer in Panama City, Fla. has filed a negligence lawsuit against the parasailing company, its owner and the hotel that operated the excursions.

On July 1, 2013, 17-year-old Alexis Fairchild of Huntington, Ind., and her friend Sidney Good of Roanoke, Ind., went up in tandem when strong winds snapped their parasail free from its boat below. Witnesses watched in horror as the girls were flung across the shoreline, smashed into a nearby condo rooftop and were dragged into a power line, before plunging into cars parked below.

“Aquatic Adventures Management Group, which operated Why Knot Parasail, not only ignored the fact that weather conditions had deteriorated, but failed to operate the boat a safe distance from shore,” said attorney Deborah Chalik, partner at The Law Offices of Chalik and Chalik, who filed the suit on in Bay County, Fla. on behalf of Alexis’ parents Michael and Angelia Fairchild. Chalik and Chalik has successfully represented a number of cases regarding parasailing accidents.

For more: http://www.marketwired.com/press-release/parents-file-lawsuit-on-behalf-teenage-girl-critically-injured-panama-city-parasailing-1871901.htm

For the original article: http://www.nydailynews.com/news/national/florida-parasailing-victim-sidney-good-breaks-silence-article-1.1587594

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by | January 23, 2014 · 8:41 am
by | January 5, 2014 · 9:25 am

P3 Hospitality Industry Risk Report: “Hotel Cold Weather Checklist” Presented By Risk Manager Joe Fisco Of Petra Risk Solutions (Video)

[vimeo http://www.vimeo.com/52051376 w=500&h=281]

P3Petra Risk Solutions’ Risk Manager, Joe Fisco, offers a P3 Hospitality Risk Report – ‘Hotel Cold Weather Checklist’. 

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 | January 1, 2014 · 11:45 am

Hospitality Industry Risk Solutions: “2014 Hospitality Insurance & Loss Prevention Summit” On February 10 Presented By Petra Risk Solutions

Hospitality Insurance & Loss Prevention Summit Feb 10 2014 Petra Risk Solutions

2014-HLC-Brochure-12-13-20131

 

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Filed under Conferences, Employment Practices Liability, Guest Issues, Insurance, Labor Issues, Liability, Management And Ownership, Risk Management, Training

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