Category Archives: Insurance

by | September 12, 2011 · 7:11 am

Hospitality Industry Security Risks: Minnesota Hotel Security Employees "Fight" With "Partiers" As Mini Riot Erupts Outside Hotel

 “…hotel security employees were fighting with event-goers… partiers soon began moving north on Nicollet Mall, throwing restaurant patio furniture into the streets and getting into fights, but damage was minimal…

Police made three arrests after what they’re calling a “mini riot” broke out on the streets of downtown Minneapolis. Dozens of officers responded to a dance party involving several hundred teens called Big Bash 2 around 10 p.m. Saturday. The event was held in a hall next to the Hyatt Regency Hotel.

Three people were arrested, including someone who punched an officer in the face.

For more: http://www.chron.com/default/article/Police-arrest-3-after-mini-riot-in-Minneapolis-2165669.php

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by | September 7, 2011 · 12:17 pm

Hospitality Industry Property Risks: Florida Motel Damaged By "Minor Tornado" That Tears Roof Off

“…the storm was accompanied by 35 mph winds but it was a wind burst, or a minor tornado according to eyewitnesses, that pulled the roof off the motel and placed a good portion of it next door on top of… Condos (next door)…”

Sixteen residents of the Holiday Isle Resort at 14711 Gulf Blvd., were displaced early Sept. 7 after a wind storm took about one-third of the roof off the building.

No injuries were reported when the storm struck shortly after 1 a.m. but the American Red Cross was on the scene to help the motel’s residents find temporary housing.

For more: http://www.tbnweekly.com/pubs/beach_beacon/content_articles/090711_bhb-01.txt

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by | September 4, 2011 · 8:05 am

Hospitality Industry Insurance Risks: Hotel & Restaurant Owners Must Review And Update Insurance Coverage To Protect Their Businesses

  •  Proper insurance to value (ITV). The market sometimes offers blanket and agreed amount limits, which can help buyers overcome an instance where the insured has purchased too little building coverage.
  •  Business income limits. Most insurance buyers don’t take time to complete a BI worksheet—a valuable tool to determine proper exposure levels. The tool forces buyers and agents to address all aspects of a potential loss and its business impact.
  • Employee dishonesty limits. Hotel owners think they’ll never use this, and then learn their controller has been siphoning off small amounts of money for years, and the total loss is substantial.
  • Guest discrimination coverage. Hotels might buy employment practices coverage and not the guest coverage. Some specialty programs provide the coverage in the GL form.
  • Property in your care, custody or control. This is a “must have” for all hotels. Agents can offer this in the GL form or buy it as a legal liability (innkeepers) coverage on the crime policy.
  • Health care professionals as insureds. Resorts with spas have this exposure and need this coverage.
  • Valet parking services. Most full service upscale and luxury hotels and resorts offer valet parking services and need to be sure they are covered properly.
  • Ordinance and law. This is key property coverage with the ever-changing building codes. Buyers either buy too little or go without to help control cost. That’s not a good decision.
  • Green building coverage. The three key coverages are:

â—Š Green certified coverage. For a loss to a green certified building, coverage available from AGPOM will apply to rebuilding and additional expenses driven by regaining green certification.

â—Š Green upgrade coverage. This coverage pays the extra expense when a non-certified building opts to go green after a loss. Added costs might result from use of Energy Star equipment; eco-friendly lighting, paint and carpet; or water-efficient plumbing fixtures.

â—Š Green commissioning expense. This coverage provides for a commissioning engineer to inspect a newly built or repaired system after a covered loss to confirm operation at peak performance and expected efficiency.

For more:  http://ventureprograms.com/wp-content/uploads/articles/Hope%20For%20Hospitality.pdf

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by | September 2, 2011 · 5:42 am

Hospitality Industry Property Risks: Washington Hotel Replaces "300 Tempered-Glass Panels" After Glass "Disintegrates" And Falls 11 Stories

“…(This was) …the third time in a year that glass has rained down from condominium balconies at the Four Seasons Hotel and Private Residences just south of Pike Place Market…”

The balconies, all on the condo levels between the 11th and 21st floors, will be closed until new panels or a new railing system are installed.

 

Now the owners are taking out all 300 tempered-glass panels in the building, panels similar to those that fractured and fell this summer at high-rise condos in Austin and Toronto.

“Our only priority here is the safety of everybody involved, either residents or people passing by,” said the hotel’s general manager, Ben Trodd. “We’ve taken a very proactive step now. The general contractor is now removing all of the remaining panels that are on the building.”

No one was injured in the three incidents. Falling pieces of glass cracked, but didn’t break, five large sections of the glass awning that covers the sidewalk outside the hotel entrance. A car was slightly damaged in the July incident, Trodd said.

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by | August 22, 2011 · 9:14 am

Hospitality Industry Safety Concerns: Survey Ranks Hotel's "Cleanliness" Over "Security" As Most Important Factor In Making Reservation

Americans rank cleanliness (43%) over security (11%) as the most important factor in selecting a hotel, according to a survey conducted on behalf of the Chubb Group of Insurance Companies.

The survey also showed that 84% of Americans would not refrain from traveling for business on September 11, 2011, the 10-year anniversary of the 9/11 terrorist attack. Fewer than one in five of Americans are fearful of flying on September 11, 2011, while only 16% are fearful about flying on an airplane on a national holiday.

“Travelers should take safety precautions more seriously, and travel security should be higher on their checklist than cleanliness,” said Jim Villa, a senior vice president and North American manager for Chubb’s Accident & Health business. “It seems that more people are concerned about housekeeping than security.”

In other survey findings regarding the 9/11 anniversary:

  • Nearly one-third of respondents would be concerned about being near a nuclear power plant on September 11;
  • 22% would avoid a chemical plant;
  • 18% would avoid entering a sports stadium or entertainment venue with a large crowd of people;
  • 16% would be concerned about being near an oil refinery;
  • 13% would be concerned about being near a military base;
  • 14% would not take a cruise;
  • 11% would not take a train; and
  • 9% would avoid taking a ferry.

For more:  http://www.chubb.com/corporate/chubb14110.html

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by | August 16, 2011 · 8:43 am

Hospitality Industry Theft Risks: Valuable Original Artwork Stolen From Los Angeles Hotel Located After "News Coverage" Leads To Tip; Hotel Security Video Holds Key To Finding Suspects (Video)

“We got an anonymous tip because there was so much news coverage…That really was the turning point. The news coverage led people to call us and say, ‘Hey, I’ve seen this, and this is where I’ve seen it.’

[youtube=http://www.youtube.com/watch?v=o-PNBTI5Crw&feature=player_embedded]

“…High-tech specialists are scouring hotel security video, and authorities may release a sketch or stills of the suspects later this week or next week…”

 

Owners of the drawing, known as “The Judgment,” verified just after midnight that the recovered 11 X 16 inch pen-and-ink artwork was indeed the original that had vanished from an exhibit on Saturday night, said Steve Whitmore, spokesman for the Los Angeles County Police Department.

An anonymous tip led investigators to the church around 7 p.m. on Monday. Experts from the Linearis Institute, which owns the drawing, later verified its authenticity, he said.

There are no suspects in custody, and authorities are not commenting on how the drawing — valued at $250,000 — ended up at the church on Ventura Boulevard in the city about 25 miles from Los Angeles. They also are not confirming the name of the church.

The drawing was in “a building on the church grounds, not in the sanctuary,” Whitmore said. It wasn’t hanging on a wall or otherwise displayed, he said.

For more:  http://www.reuters.com/article/2011/08/16/us-rembrandt-heist-california-idUSTRE77F49620110816

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by | August 15, 2011 · 5:31 am

Hospitality Industry Information Security: Hotels And Resorts Are Targeted For Cyber Attacks Because Of Faulty "Data Collection Practices"

“…The report said the largest share of cyber attacks — 38% — were aimed at hotels, resorts and tour companies…”

“… large hotel chains are most vulnerable because hotel management companies may not be able to monitor how data is collected and stored at dozens or even hundreds of properties throughout the world. Independent contractors who work for individual hotels can also open the door to hackers and computer viruses…”

A business traveler who books hotel rooms via the Internet, may be at higher risk of being victimized by computer hackers and identity thieves.

Insurance claims for data theft worldwide jumped 56% last year, with a bigger number of those attacks targeting the hospitality industry, according to a new report by Willis Group Holdings, a British insurance firm.

That could spell trouble for business travelers who submit credit card numbers and other personal information to hotel websites, said Laurie Fraser, global markets leisure practice leader for Willis.

For more:  http://www.latimes.com/business/la-fi-travel-briefcase-20110815,0,65581.story

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by | August 11, 2011 · 6:23 am

Hospitality Industry Property Risks: Rhode Island Hotel That Suffered "Extensive Damage" From River Flooding In 2010 Reopens After Insurance "Largely Covers Reconstruction"

“…The hotel’s lobby, front desk, restaurant, meeting rooms, guest rooms and information technology equipment were badly damaged, and the facility, which had celebrated its grand opening in September 2008, was forced to close…”

“…The (reconstruction) cost was largely covered by insurance… The chain had hoped to reopen its Rhode Island location within a year but was delayed by in part by a business restructuring…”

NYLO Providence/Warwick has undergone extensive renovations on the first floor, which filled with four feet of water after the nearby Pawtuxet River breached its banks in March 2010. Michael Mueller, chief executive officer of the Texas-based NYLO Hotels chain, would not say Wednesday how much was spent on reconstruction. Susan Shaw, the new general manager, said the 163-room hotel will open with between 35 and 40 employees, down from 60 at the time of the flood. It will add employees and should reach full capacity by early next year, she said.

During a recent fire inspection test, in which the emergency lighting system was activated, Shaw said it happened to be raining — prompting an unpleasant flashback.

For more:  http://www.boston.com/news/local/rhode_island/articles/2011/08/10/warwick_hotel_damaged_in_2010_floods_to_reopen/

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by | August 8, 2011 · 6:09 am

Hospitality Industry Theft Risks: West Virginia Hotel Foils Flat Panel TV Theft With Electronic Key Audit; Thief Was Guest Who Was Fined $250 For Smoking In Room

“….a West Virginia man was fined $250 for smoking in his room…(the extra charge was added) onto the bill and slipped under the door…(he) was so upset that he retaliated by stealing a $500 flat-screen television from the hotel’s workout room, Palm Beach police said…”

The hotel found its thief by auditing the guest keys used to access the workout room, police said. It then located an object the size of the missing television hidden by a bed sheet in Nelson’s rental vehicle.

But some quick detective work by police and a hotel employee led to Nelson’s arrest Friday on a charge of grand theft. Police took him to the Palm Beach County Jail.

Nelson told detectives he used a penny to unscrew some screws and a tire iron to break a lock that held the television to a wall bracket.

For more:  http://www.palmbeachdailynews.com/news/smoking-fine-spurs-theft-of-hotel-flat-screen-820141.html

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by | August 6, 2011 · 8:46 am

Hospitality Industry Property Risks: North Carolina Hotel Ceiling Collapses After "Drainage Pipe Bursts" During Heavy Rain (Video)

“…A drainage pipe that helps drain water from the roof runs through the ceiling in the lobby…. The pipe burst causing a portion of the ceiling to collapse and flood the lobby with water…”

CLICK ON PICTURE TO WATCH VIDEO

A portion of the ceiling in a Charlotte hotel collapsed Friday afternoon after heavy rains caused a pipe to burst. Erik Slemon and his father, Allan Goldberg, are from Miami and were staying at the hotel to attend a men’s clothing trade show.

“In a matter of seconds it got a little stronger,” Erik Slemon said.  “I pulled out my phone and I shot it and the whole ceiling just came down.  The whole lobby was flooded in a matter of five seconds.” No one was injured, and there is no official damage estimate from the flooding.

For more:  http://www.wcnc.com/news/local/Pipe-bursts-at-Charlotte-hotel-flooding-lobby-126844238.html

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