Hospitality Insurance and Risk Management

Safety of guests and visitors has always been a primary concern for those in the hospitality industry. Whether you own and operate a hotel, casino, or even a golf course you always want to ensure that those depending on you for a safe and rewarding experience receives exactly what they’ve come there to expect.

Owners should always carry hospitality insurance that responds to claims that commonly occur at properties of this type, but they also need to consider all existing areas of risk and any exposures that might threaten the safety of their guests and have in place the correct measures to ensure that neither harm nor losses are the result of negligence on their part.

Risk management tips designed to improve hotel security

Hotels are often targeted because tourists carry large amounts of cash and generally have several credit cards and even valuable jewelry with them when they travel. In order to help prevent robberies, burglaries and other forms of invasion owners should first make sure that they do background checks of all potential employees, have ongoing training of all staff members, including emergency and evacuation training, control all access points in and out of all buildings (all outside doors should contain security locks, all windows be fitted with safety locks, and there should adequate lighting everywhere).

As an added measure, all security cameras should be monitored and working at all times.

It is best to install cameras on all floors, near entrances, on elevators, and any seldom used areas, including loading docks. Criminals have been known to target conference rooms and lobby areas hoping to steal laptops and other valuables left unattended, often pretending to be guests.

Thefts and robberies often take place in parking lots

Having properly lit parking lots and grounds will further prevent criminal acts from occurring. This should include security patrols, with guests leaving the hotel late at night accompanied by a security officer.

All guests are potential victims of crime while on vacation. Instruct them to always listen at the door before entering their rooms, that they should keep their door locked at all times, and know where all emergency exits are. If someone comes to their door identifying themselves as hotel staff, always look through the peephole and check with front desk before opening the door. Finally, never throw the key card in the trash because it contains personal information from registration that could be accessed.

Following these suggestions should help advance safety in hotel management, and resorts and other pleasure stops should carry hospitality insurance and practice good hotel risk management.

Food Contamination and Fine Dining Insurance in Texas

Anyone working in the food industry knows that it’s all about the quality of food, the service and the experience being offered that keeps patrons returning time and again to any fine-dining establishment. But there are always concerns as to just how well the evening may go.

Every day is a different challenge, and there are so many exposures that the manager and staff face — from slips and falls on the premises, to fire and other incidents that can cause property damage, to supply chain issues and business interruption risks, to food contamination, data breaches and reputational damage, all of which can potentially close down a restaurant.

While all can be equally troubling, food contamination is perhaps the most serious concern. Fine dining insurance in Texas can aid those businesses with concerns regarding the high risk of food borne illness, according to Sarah Klein, senior staff attorney of the Center for Science in the Public Interest (CSPI), who also says the organization felt the significant number of outbreaks from restaurants was important for consumers to know.

“It has been clear to us for some time that restaurants do pose an unusually high risk of food borne illness but this was the first year that we chose to make this a key finding from our outbreak database,” says Klein. “You aren’t just more likely to get sick from a restaurant than at home but you are twice as likely.”

The workers can make a difference, based on experience and professionalism

The first thing an owner wants to have in place is an experienced chef running the kitchen. Having someone who isn’t well trained and doesn’t understand issues with food preparation and food safety could add to the problem. A restaurant that is committed to food safety is one that fully understands the risks involved.

A lot of restaurants think in terms of liability and not the property exposures, so it is important for an insurer to help in assessing exposures and how to best mitigate risks, and also to go over any concerns with the business owner as to what would happen if their restaurant were closed down for a week or more. This involves securing the right fine dining insurance in Texas and implementing sound risk management solutions to stem losses and help improve profitability.


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