Tag Archives: Premises Liability

by | October 25, 2013 · 5:46 am

Hospitality Industry Risk Solutions: “Liability Insurance: An Essential Precaution” For Hotel And Restaurant Owners By HospitalityLawyer.com

HospitalityLawyerOnce you have the proper coverage through a financially solvent company, ascertain that the amount of the coverage meets your needs.  To ensure that you fully understand how much you actually have for the entire period, it is critical that you become familiar with the following concepts and terms: per occurrence, aggregate and umbrella or excess insurance.

Hospitality Industry Liability Insurance CoverageYou must also be aware of “claims made” policies.  The term “claims made” means that the coverage is only available if an actual claim is brought to the attention of the insurance company during the policy period.  Usual insurance policies cover claims that occur during the policy period, although they are not brought to the attention of the insurance company until after the coverage period has elapsed.

HospitalityLawyer Converge Solutions

http://www.hlconverge.com/

When you buy liability coverage for your hotel or restaurant operation, you should receive a measure of protection and peace of mind, but for some reason you remain with that gnawing feeling that all may not be well with your insurance portfolio.  You think you did what you were supposed to do.  But did you?  Do you have enough insurance?  Do you have the right kind of coverage to cover possible accidents, incidents and catastrophes?  Employer’s liability?  Liquor liability?  Auto insurance for employees who drive a car on behalf of the business?  Do you know where your liability insurance policy is?  When was the last time you read it?  Do you understand the fine print?  Do you know who the underwriter is – not the agent, but the company that is supposed to pay in the event of a claim?  Do you know whether the insurance company is financially solvent?

Insurance Policy Coverage Checklist

1.  General Liability (fire and casualty for the premises and hotel operations)

2.  Employers Liability (discrimination claims)

3.  Workers’ Compensation (injury on the job)

4.  Liquor Liability (dram shop liability)

5.  Swimming Pool/Spa/Workout Area Addendums

6.  Golf Course Operators Liability

7.  Employee Security Bonds

8.  Automobile Liability (autos, motorized carts, shuttle service, etc.)

9.  Outdoor/Water Activity Coverage Addendum

For more:  http://www.hlconverge.com/index.php/component/k2/item/665-liability-insurance-an-essential-precaution

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by | December 1, 2011 · 6:04 am

Hospitality Industry Security Risks: New "High-Definition Surveillance Systems" Hold Promise Of Reducing "Theft-Related Losses And False Liability Claims"

“… high-definition surveillance system will also help the resort further eliminate costs by reducing theft-related losses in the resort’s restaurants and cafes and reduce the number and cost of false liability claims—which will cut insurance premiums over time. The security team can search and review footage much quicker, freeing them up for other important tasks…”

Avigilon, a leader in high-definition (HD) and megapixel video surveillance solutions, today announced that Bear Creek Mountain Resort and Conference Center in Berks County, Pennsylvania has deployed the Avigilon high-definition surveillance system to better protect its corporate assets and ensure the safety of its more than 315,000 annual guests. Bear Creek Mountain Resort replaced its analog-based surveillance system with the Avigilon high-definition surveillance solution for greater reliability, enhanced image quality, and the ability to more efficiently and quickly resolve incidents onsite.

Security personnel seamlessly manage the Avigilon high-definition surveillance system using the Avigilon Control Center network video management software (NVMS) with High-Definition Stream Management (HDSM) technology. The resort installed 42 Avigilon HD cameras ranging from 1 MP to 5 MP to monitor parking lots, the dock alley, the main pedestrian thoroughfare, equipment storage area, snow tubing hill, restaurants, hotel, and at the top and bottom of its chairlifts. Avigilon analog video encoders were installed to improve performance of the resort’s existing analog cameras. The system is monitored 24×7 and the resort stores 21 days of continuous surveillance video on an Avigilon Network Video Recorder (NVR.) The management team has remote access to the system as well.

For more:  http://www.securityinfowatch.com/bear-creek-mountain-resort-deploys-hd-surveillance-system

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by | September 25, 2010 · 7:08 am

Hospitality Industry Risk Management: “Premises Liability” Holds Owners And Managers Legally Responsible For Accidents And Injuries And Can Only Mitigated By “Daily Documented Property Inspections” Of Potential Hazards

“Premises liability” holds owners and property managers legally responsible for accidents and injuries that occur on property. Liability will vary depending on the legal rules and principles in place in the state where the premises liability injury occurred.

There are, essentially, three classifications of people on your property:

  • Uninvited trespassers
  • Licensees—those entering with permission for their own purposes
  • Invitees—those entering for the benefit of the owners and occupiers

Your obligations to each will vary, and your duty gradually increases as you move from trespasser to invitee.

Trespassers can be undiscovered or discovered. For an undiscovered trespasser, the obligation is not to willfully cause injury. A discovered trespasser should receive a warning of hazards that are not obvious. This is the same duty you owe a licensee.

The invitee garners the greatest obligation. Here the owner or occupier must act to keep the property in reasonably safe condition and warn the invitee of any latent defects.

For best results, employ and document daily property inspections. Have a plan in place that requires employees to keep an eye out for hazards and a system in place to document compliance with the process.

Nonetheless, injuries on your property can occur. However, liability is not automatic. If you have maintained a diligent inspection process and can document compliance, the claimant will have a difficult time proving that you knew or should have known about the condition causing the injury. This provides an avenue to escape liability.

Other traditional defenses center upon the comparative negligence of the injured person and can take many forms. For example, it includes the provision of warnings that go unheeded. It also includes hazards that are so obvious as not to require warnings, but nonetheless go unnoticed.

For more:  http://www.hotelworldnetwork.com/injuries/premises-liability-take-steps-now-protect-your-hotel

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Filed under Guest Issues, Injuries, Labor Issues, Liability, Maintenance, Management And Ownership, Risk Management, Training

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