Category Archives: Insurance

by | July 17, 2011 · 8:10 am

Hospitality Industry Health Risks: Nevada Hotel Guests Exposed To "Bacteria Causing Legionnaires' Disease"; Water Treatment Capabilities Increased

“…Spokeswoman Stephanie Bethel of the Southern Nevada Health District said Thursday that six cases of the sometimes-deadly form of pneumonia have been reported among Aria guests by the Centers for Disease Control….”

The hotel says in a letter to guests that it added additional water treatment and the latest tests show no detectible levels of the bacteria.

The Aria Resort & Casino on the Las Vegas Strip is warning guests who stayed during a two week window that they may have been exposed to high levels of the bacteria that causes Legionnaires’ disease.

Bethel says all six people were treated and have recovered. Hotel officials say water tests in several guest rooms between June 21 and July 4 detected elevated levels of the bacteria Legionella.

For more: http://www.guardian.co.uk/world/feedarticle/9748294

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by | July 15, 2011 · 6:36 am

Hospitality Industry Federal Law Compliance: Hotel Management Must Have Comprehensive Knowledge Of "Americans With Disabilities Act" (ADA) Regulations

For more:  http://www.ahla.com/knowledge/

 

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by | July 11, 2011 · 5:12 pm

Hotel Industry Employee Risks: The "National Institute for Occupational Safety and Health" (NIOSH) Releases Statistics And Goals For Reducing Injuries To Hotel Room Cleaners

Nearly 1.8 million people worked in the traveler/accommodations industry in 2008, including more than 400,000 hotel room cleaners.

Most cleaners are women, and many are immigrants and minorities who perform tasks including dusting, vacuuming, changing linens, making beds, scrubbing bathrooms, cleaning mirrors, and disposing of trash.

Hotel cleaners face hazards such as the following:

  • ergonomic hazards that include bending, pushing carts, and making beds;
  • trauma hazards that include slips, trips, and falls;
  • respiratory, dermal, and possibly carcinogenic hazards from chemicals in cleaning products;
  • mold and microbial contaminants;
  • infectious agents; and
  • occupational stress due to heavy workloads, lack of adequate supplies, job insecurity, low pay, and discrimination.

Organizations and individuals can help improve the safety and health of hotel cleaners in the United States:

  • Identify and evaluate hazards and adopt inter¬ventions to prevent work-related injuries and illnesses in the hotel environment.
  • Evaluate the quality and ensure maintenance of equipment used in hotel cleaning operations.
  • Encourage the use of ergonomic carts and vacuum cleaners, and long-handled tools like mops and scrub brushes; and inform suppliers about the best equipment for cleaners.
  • Conduct research on guest practices that would improve the work environment for room cleaners.
  • Partner with OSHA, NIOSH, labor, and oth¬ers to study why disparities exist in injury rates among room cleaners and what remedies are effective, and to quickly implement available remedies

For more:  http://ohsonline.com/articles/2011/07/08/niosh-fact-sheet-highlights-safety-health-concerns-among-hotel-cleaners.aspx?admgarea=news

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by | July 10, 2011 · 5:20 pm

Hospitality Industry Fire Risks: Maryland Hotel Suffers Over $3 Million In Structural And Content Damage As Fire Alarms Successfully Assist Evacuation, Limiting Injuries

A four-alarm fire that injured three people and caused several million dollars in damages to a Days Inn hotel in Catonsville began in a locked storage room, Baltimore County fire investigators said Sunday.

Guests said they heard fire alarms go off, then encountered heavy smoke in the hallway.

The cause of the fire on the seventh floor at the Days Inn at 5701 Baltimore National Pike is still under investigation, said Elise Armacost, director of public information for the Baltimore County Fire Department and Office of Homeland Security and Emergency Management. Authorities contradicted earlier reports from hotel patrons blaming the fire on smoking materials.

Fire dispatchers were notified of an alarm at the Days Inn at 8:14 p.m. Saturday. Engine 13 of Westview station arrived first and found billowing smoke. The fire escalated to four alarms and involved nearly 70 pieces of equipment, including units from Howard and Carroll counties, Baltimore city and other jurisdictions, officials said.

Firefighters evacuated about 160 patrons from the building and the guests were relocated to other hotels and motels.

Two guests suffered minor injuries and were transported to nearby hospitals. One firefighter was treated at the scene for minor injuries.   Fire investigators estimate that the fire caused about $2.5 million worth of damage to the hotel and about $1 million to the hotel’s contents.

“We heard the fire alarm go off, then stop, and go off again,” said Omar Oliver of Landover, who was visiting with Theresa Tolson and had rented a third-floor room.

“We called downstairs and they said it was nothing, just somebody playing with the fire alarm,” Oliver said. “Then the TV went out and we started to smell smoke.”

At least one guest was evacuated from an upper floor down a fire department ladder.

For more:  http://elkridge.patch.com/articles/four-alarm-hotel-fire-began-in-locked-storage-room

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by | July 7, 2011 · 6:35 am

Hospitality Industry Guest Room Security: Large Hotel Operator Converts Rooms To "Electronic Lock System", Replacing Mechanical Card Locks As "Magnetic Strip Keycards" Provide "Full Audit Accountability"

  • Each keycard is encoded using a portable Front Desk Unit (FDU), uniquely designed for the hotel industry
  •  The magnetic strip keycard reader provides full audit accountability, enabling management to provide legal support in the event of unauthorized access to a room.
  • For emergency use the Generation E-760 door locks provide emergency access through a mechanical key (fixed or recodable) or electronic override plus an emergency keycard.
 
La Quinta Inns & Suites has announced an agreement with Kaba to install the ILCO 760 locking systems in approximately 140 La Quinta hotels. Implementation will begin in fall 2011.
 
“KABA ILCO products demonstrate the reliability that La Quinta wants for its operators and guests,” says Gerald Rodriguez, vice president of purchasing for LQ Management L.L.C. “We were also impressed with KABA’s willingness to engage in a long-term partnership with La Quinta. This will enable us to provide security to our guests, and professional service and operational excellence to our hotels and their staff into the future.”
 
La Quinta began evaluating electronic lock system providers to replace its mechanical card locks in early 2010. This effort included field testing locks from several manufacturers to verify the best solution for La Quinta’s hotels. After testing, La Quinta chose KABA ILCO 760 locks and the Front Desk Unit (FDU).
 
 

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by | July 5, 2011 · 8:22 am

Hospitality Industry Information Security Risks: Hotel Computer Systems Are Increasingly "Breached" Through "Privileged Users" Who Have Total Access To Sensitive Data

“..security breaches are still happening at an even more significant pace with more damaging results.  In the end, many of these advanced intrusions and data security breaches are focused on taking over access to the accounts and permissions of specific “privileged” users in an organization who have access to sensitive data…”

“…These privileged users are specifically targeted by outside hackers because they have proverbial keys to the kingdom, but in some cases the inside user themselves is intent on stealing or doing damage…” 

One solution that is emerging to this problem is to carefully monitor everything (e.g. every key stroke and every mouse click) that a privileged user does on the network, while also putting more granular limits on what they can do.  Basically “trust but verify,” with the goal being detecting any anomalies in a privileged user’s computing usage (e.g. why is this person downloading the source code at 3 a.m.?).  This is not uncommon as it relates to other privileged users in other jobs — the “Eye in the Sky” in the casinos in Las Vegas is equally monitoring the gamblers for cheating but is also monitoring the dealers, and at a bank the CCTV is not only looking for robbers but the teller slipping some money in their pocket.

Instructive of the value of this new approach is that immediately after its breach, the RSA division of EMC acquired private company Netwitness for a reported large premium.  Netwitness is known for analyzing user activity monitoring at the network layer.  In addition, the latest security vendor to file for an IPO, Imperva, has as its core solution the ability to monitor database access and usage by Database Administrators, another type of privileged user.

For more:  http://blogs.forbes.com/tomkemp/2011/07/05/as-hacks-proliferate-new-security-technology-emerges-to-monitor-privileged-it-users/

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by | June 30, 2011 · 8:16 am

Hospitality Industry Theft Risks: New York Hotel Has Valuable Painting Stolen From Lobby As "Surveillance System" Identifies Man Walking Out With Covered Object

“…A video surveillance shows a man walking into the swanky building then coming out a short time later with a bag not visible in the first clip”…

An art thief made off with a painting worth a reported $350,000 from the Upper East Side’s posh Carlyle Hotel early Tuesday morning. The Fernand Leger painting, which went missing from the lobby hallway, was on loan from the Helly Nahmad Gallery located inside the hotel’s swanky Madison Avenue building.

“The Carlyle’s security personnel reported the painting missing at 3:30 a.m. to the 19th Precinct as well as the gallery owner,” a hotel spokeswoman said. “A complete investigation is now in process.”

The 1917 ink-on-linen by Leger — a French artist who was part of the Cubism movement — was apparently only 10-inches-by-8-inches. The Madison Avenue landmark, a favorite for presidents and prime ministers, boasts of itself as “a showcase great art, a purveyor of privacy and a sanctuary of luxury and refined taste,” on its website.

Read more: http://www.dnainfo.com/20110629/upper-east-side/art-thief-swipes-fernand-leger-painting-at-carlyle-hotel#ixzz1QmBxtyM0

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by | June 28, 2011 · 1:15 pm

Hospitality Industry Insurance Risks: "Employment Practices Liability Insurance" May Contain "Exclusions For Intentional Acts" That May Deny Coverage To Hotel Executives In "Disparated Treatment And Sexual Harassment" Cases

“…a panel of arbitrators found that (the executive)  “was well acquainted with the company’s policy on sexual harassment and other acts of inappropriate conduct.”  They further found that (the executive)  “did not comply with the policy on sexual harassment and that his refusal was willful.” 

“…attorneys should remind their clients to carefully review their existing EPLI policies and to understand all exclusions that may apply, as well as to be mindful of such exclusions when negotiating the purchase of a new EPLI policy…”

Exclusions typically found in EPLI policies include exclusions for Fair Labor Standards Act claims, National Labor Relations Board decisions, ERISA matters, costs of complying with accommodations mandated by the Americans with Disabilities Act, and claims arising out of facts or circumstances known to the employer before the effective date of the policy.  Another possible exclusion is for intentional acts.  This exclusion generally is intended to eliminate coverage if an employer acts with “wonton, willful, reckless, or intentional disregard for any laws.” This exclusion is a carryover from other policies traditionally offered, including commercial general liability policies and workers compensation policies.

The question that arises is whether an intentional acts exclusion precludes coverage for disparate treatment or sexual harassment claims.  By their very nature, disparate treatment and sexual harassment require some type of intentional conduct.  If the intentional acts exclusion is interpreted broadly enough, an allegation of disparate treatment or sexual harassment may provide the insurer grounds for denying coverage under the policy.

For more:  http://www.lexology.com/library/detail.aspx?g=54d3b2ac-48f1-497b-ac65-ee0e32826815

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by | June 27, 2011 · 11:35 am

Hospitality Industry Fire Risks: Florida Hotel Is Nearly Destroyed By Fire Caused By Faulty Electrical System And Faulty Sprinklers, Extinguishers Fail To Work

“…the building had a series of problems, including a broken sprinkler system, empty fire extinguishers and smoke detectors without batteries…the building had electrical problems, too, including a sparking outlet in his room. The motel capped the outlet instead of fixing it…”

“…the fire spread from single room, got into the attic and raced throughout building, destroying nearly everything…”

A fire that caused the roof to collapse and burn through a wing of a 430-room Kissimmee motel late Sunday is still burning this morning. Eight people, including two firefighters, have been hospitalized from injuries caused by the blaze at the Vacation Lodge, which essentially functioned as an apartment complex.

The fire investigation, which will likely start Tuesday, will look into the alleged problems with the sprinkler system. Micheal White, who paid $135 a week to live in Room 1230, said he heard an explosion in Room 1305 before the fire broke out.

He said the motel has been in news recently after the water was shut off for 27 days for nonpayment.  He did not know if complex was built with firewalls designed to contain fires.

For more:  http://www.chicagotribune.com/news/nationworld/os-kissimmee-hotel-fire-20110626,0,2952712.story

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by | June 26, 2011 · 5:59 pm

Hospitality Industry Employee Risks: Hotel Management Should Use Employment Contracts Which Are "At Will", Do Not Discriminate And Define Scope Of Employment; Comprehensive Insurance Should Be In Place At All Times

Hotel Management and owners should set up uniform employment contracts, which:

  • Do not discriminate against people based on any of the protected classes as defined by federal or state law;
  • Define the scope of the employment;
  • Say if the employment is for a term or “at will”;
  • Assign the pre-corporate formation intellectual property to the company;
  • Assign all subsequently created intellectual property to the company; and
  • Protect the corporate intellectual property from disclosure.

The last two categories of protecting intellectual property of the company can be accomplished by drafting non-disclosure agreements, and Proprietary Invention Assignment Agreements.

Insurance – Getting insurance for your company is a bet worth taking, given the potential unpleasant surprises of not being prepared. Again, your needs will vary depending on your company, but among the standard offerings are:

  • Comprehensive General Liability Policies (“CGL”) – A CGL policy is usually geared towards protecting a company from personal injury;
  • Directors and Officers (“D&O”) Insurance – D&O insurance may cover the wrongful acts of the officers and directors of a company;
  • Advertising Injury Insurance – Insurance that covers defamation, invasion of privacy, copyright infringement and other intellectual property injuries. (The advertising injury is usually a part of a larger policy, like a CGL, and not a policy onto itself.); and
  • Employment Practices Liability Insurance (“EPLI”) – The EPLI is a specialized insurance policy protecting companies against employment lawsuits.

For more:  http://venturebeat.com/2011/06/27/4-legal-pitfalls-startup-owners-must-face/

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