Tag Archives: Risk Management

Hotel Pool Safety: Near Drowning Highlights Need For Hospitality Industry To Increase Pool Safety, Including Flotation Suits And Fencing

“…the hotel plans some additional safety measures, including mandatory life jackets on everyone up to 42 inches tall.”

“…One thing the general manager has already done is to introduce a swimsuit guests can buy that has flotation properties incorporated right in the suit, which cannot be taken out.”

Lori and Chad Granger’s family gathering at the Holiday Inn water park in Otsego was supposed to be a time of celebration. Instead, the couple nearly lost their three-year-old daughter after she almost drowned Jan. 16.

Family members’ children were in the pool under the watch of four lifeguards who rotated stations every half hour. Guest Paul Peikert of Rogers says his own children had been disciplined twice while in the water by watchful lifeguards.

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But the day began unraveling for the Grangers when Lori left her daughter under an uncle’s care so she could greet her sister who was just arriving, according to what she wrote on a blog.

The mom continues writing that she had her three-year-old in the kiddie pool and had taken her flotation devices off so the girl could go down a kiddie water slide. Then the uncle was asked to watch her as she played.

However, after just a moment, the uncle became distracted and wandered off, leaving the little girl unattended, according to Lori‘s blog.

In that instant, accounts from family members and the Wright County Sheriff’s deputies state that the three-year-old apparently got out of the kiddie pool and jumped into a 3-foot deep adult pool to play with older cousins.

 http://erstarnews.com/content/view/11539/26/

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Hospitality Industry Risk: Workers’ Compensation Insurance Premiums May Rise Due To Higher Medical Costs, Even As On-The-Job Injuries Decline

“…on-the-job injuries are down, but claims are heftier because of higher medical costs.”

(From a BostonHerald.com article)   The Workers’ Compensation Rating and Inspection Bureau of Massachusetts is seeking a 4.5 percent average increase in policy premiums, effective Sept. 1.

Attorney General Martha Coakley yesterday announced her opposition to the proposed increase, saying the hike would cost small businesses and other employers more than $40 million in extra premiums.

The workers compensation bureau – a nonprofit group of insurers licensed as a rating organization by the state Division of Insurance – says on-the-job injuries are down, but claims are heftier because of higher medical costs. Rates have not risen since 2001.

The group’s request for a 2.3 percent rate increase in 2008 was hit with a lawsuit by the attorney general’s office. The legal move led to a settlement in which insurers agreed to a 1 percent rate reduction – saving businesses some $30 million, Coakley said.

http://www.bostonherald.com/business/general/view/20100303ag_hits_plan_to_hike_workers_comp/

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Hospitality Industry Risk: Cybercrime Is Targeting Hotels And Resorts As Credit Card Information Is Relatively Unprotected

(From a BlackBookMag.com article)  According to Nicholas Percoco, a cybersecurity researcher for the security firm Trustwave, “The hospitality industry was the flavor of the year for cybercrime.”

In 38% of the security breach investigations Trustwave performed last year, hotels and resorts were the victims. That’s way up from 2008, when the hospitality industry wasn’t nearly so trendy for identity thieves and there were hardly any incidents.

Hotels and resorts tend to have a lot of data–like your credit card info–that is relatively unprotected, making them pretty dreamy for hackers. Last year, both Radisson and Wyndham Hotels reported hacking incidents, and who knows what other hotels got hacked but didn’t report it. So, fork over your personal credit card with care at check-in, or maybe use this as an excuse to charge any and all hotel stays on the company card.

http://www.blackbookmag.com/article/your-hotel-stay-stole-your-credit-card/15885

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Hospitality Industry Risk: Hotel Front Desk Clerks Must “Refuse Accomodations If They Have Just Cause”, Such As Suspecting Prostitution

“Every person who keeps any disorderly house, or any house for the purpose of assignation or prostitution, or any house of public resort, by which the peace, comfort, or decency of the immediate neighborhood is habitually disturbed, or who keeps any inn in a disorderly manner; and every person who lets any apartment or tenement, knowing that it is to be used for the purpose of assignation or prostitution, is guilty of a misdemeanor.”

The one word everyone who works in hospitality hates to say to a guest is…”No”. We are all trained in fact to never say “no”, and to try and accommodate our guests every request or need. But, in the real world there are those rare occasions that one should say “no”, one must say “no”, and one must absolutely positively scream “no”, if the situation requires it.

Here is an actual case in point that hotel front desk personnel may likely experience:

A full service hotel in the greater Los Angeles area received a visit from the Los Angeles Police Department’s (LAPD) Vice Division. A plainclothes male vice officer and an undercover female police officer came to the hotel to look for violations of California Law 316 PC:

“Every person who keeps any disorderly house, or any house for the purpose of assignation or prostitution, or any house of public resort, by which the peace, comfort, or decency of the immediate neighborhood is habitually disturbed, or who keeps any inn in a disorderly manner; and every person who lets any apartment or tenement, knowing that it is to be used for the purpose of assignation or prostitution, is guilty of a misdemeanor.”

Every state in America has a similar law, which makes it a crime to knowingly allow prostitution inside your establishment.

The two officers approached the front desk and asked to rent a room. The front desk clerk asked for a credit card, but the vice officer said he only had cash to pay for the room. The vice officer went on to say, “I don’t want to use a credit card, because I’m here with a prostitute, and I don’t want my wife to find out.” This was the “bait” of the police “sting”, and now it was up to the front desk clerk to say “no”, and not allow prostitution inside the hotel.

The front desk clerk clearly heard what the vice officer said (that he was with a prostitute), and knew he wasn’t going to rent him a room. But, the desk clerk did not directly say “no”. Instead, the clerk tried to find a more “hospitable” way to refuse to rent the room. The front desk clerk knew the vice officer did not want to use a credit card for the room, so he thought he could use this fact to politely deny him a room.

The desk clerk told the vice officer that a credit card was required to rent the room, but that he could pay cash at the end of the stay, if he chose to. The desk clerk said if he did not have a credit card, then he could not rent him a room.

Here’s what the LAPD vice officer heard: “If you had a credit card, I would rent you a room.” Isn’t that what the front desk clerk said? Instead of saying, “No, I’m sorry, but we don’t allow prostitution in this hotel, please leave”, the vice officer heard, “If you had a credit card, you could rent a room.” The vice officer issued the front desk clerk a citation for “keeping a disorderly house”, and left. The desk clerk now has to appear in court to defend his actions.

The desk clerk said later he was confident that demanding a credit card for the room would have foiled this man’s attempt to use the hotel with a prostitute. The desk clerk said if the vice officer had produced a credit card to use, he would have still denied him a room, and would have summoned the General Manager to ask the man and prostitute to leave the hotel. The desk clerk knew NOT to rent the room to a prostitute.

As one can see from this incident, all of the legal proceedings, court appearances, and possible bad press from the sting, could have been avoided with one simple word…“No”.

Generally, Innkeeper Laws in all states allow hotels to refuse renting a room under these following conditions (amongst others):

  1. To preserve the innkeeper’s property from potential damage
  2. To prevent a violation of the law
  3. To maintain the premises so as to preserve the peace and tranquility of the other guests
  4. To protect the guests’ physical safety
  5. Because of the hotel’s previous bad history with the guest

 Yes, front desk attendants can say “no” to a guest seeking accommodations if the guest falls under any of the above situations. These situations are very broad, so you can get creative with their interpretation and use them to keep bad guests from renting a room. Just make sure that the belief for denying registration is well-founded and defensible and that potential guests are not being excluded based upon protected class status (e.g., race, gender, religion, ethnicity, etc.)

Front desk managers must train their staff to say “no” when it is appropriate to do so, and tell them you will support their decision to refuse accommodations if they have “just cause”. Discuss possible situations that may occur, and how to properly deny service or a room. Hotel managers may also want to contact their hotel brand’s corporate loss prevention or security departments for outside training and help. Similarly, the hotel’s insurance carrier or broker may also provide risk management staff that can help educate and train the front desk team on these matters.

Sometimes, you just HAVE to say “NO”.

(Todd Seiders, CLSD, is director of risk management for Petra Risk Solutions, which provides a full-range of risk management and insurance services for hospitality owners and operators. Their website is: www.petrarisksolutions.com. Todd can be reached at 800-466-8951 or via e-mail at: todds@petrarisksolutions.com.)

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Hospitality Industry Risk Update: Colorado Considers Legislation Limiting Workplace Surveillance Of Employees Who Filed “Workers Compensation” Claim

(From a BusinessInsurance.com article posting) Legislation that would restrict video surveillance of employees who have filed a workers compensation claim by insurers and self-insured employers has been approved by a Colorado House committee.

Workplace surveillance would be limited by pending Colorado legislation.

Colorado’s House Judiciary Committee approved H.B. 10-1012, sponsored by state Rep. Sal Pace, D-Pueblo, on a 6-4 vote last week. The bill would prohibit insurers or employers from conducting surveillance of workers comp claimants unless they have “a reasonable basis to suspect that the employee has committed fraud or made a material misstatement concerning the claim.”

 Claimants would be allowed to ask for an expedited hearing to learn why they are being investigated and individuals conducting the surveillance would be required to respond fully to questions.

 The legislation, which now goes to the Colorado House Appropriations Committee, also sets up a $1,000-a-day penalty for violations. A similar bill is pending in the Colorado Senate.

 Separately, Denver-based Pinnacol Assurance, a state-created workers comp insurer, said in a statement Tuesday that it is prepared to give the state $200 million to remove it from state control become a policyholder-owned workers comp insurer.

http://www.businessinsurance.com/article/20100216/NEWS/100219948

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Hospitality Industry Risk Management Involves Company Sponsored Safety Training (Video)

[youtube=http://www.youtube.com/watch?v=LGFUg4H_13M]

Hospitality Industry Safety Training

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