Hotels, resorts, and other hospitality-oriented businesses face a slew of risks and exposures related to running a business of this nature. Catering to the needs and desires of thousands of people annually can be quite a challenge and there are so many things that can go wrong. Your job, as the owner, is to do your part to prevent the types of claims you’re at risk for from occurring.
Handling claims can be exhausting, time-consuming and expensive, not to mention the harm they can do to your reputation. You have likely purchased coverage for this type of exposure from a hospitality insurance company, but Its still important to make sure you have the right coverage as well as the right amount of protection needed.
Hotels have several major areas of concern
Parking lots and sidewalks can pose a threat when not properly cared for and should be routinely inspected and kept well maintained. Accidents and mishaps occurring at night are often the result of poorly lit parking lots. Have maintenance regularly check all lighting, both inside and outside of the property, for darkened areas that could make it difficult for guests and visitors to see and ensure that all areas are properly illuminated.
Trips and falls could easily hurt children or send elderly people to the hospital. Make sure that staff members periodically inspect rugs and flooring for any trouble areas and get the necessary repairs underway. Investing in slip-resistant floor materials and treatments can save you both money and heartache in the long run.
If the property has a restaurant there is added concern related to food and drinks. Rapid cleanup of spills is essential to patron safety and you should display movable caution signs to inform guests and employees that an area may be slippery and that clean up is underway.
Fire safety can ultimately save lives
Perhaps the worst scenario is having a fire break out in a crowded hotel. Inspect all smoke detectors to ensure that they are completely functional and replace any that are faulty. Make sure that all exits are clearly marked with signs and guests are aware of what to do when a fire does occur. Emergency power sources should be tested regularly and fire safety equipment should also be routinely cleaned and inspected.
Your main job is to provide a safe environment for patrons and employees, and working with a hospitality insurance company to meet the specific needs of your business is the smart choice.