Post Topic
Hospitality & Restaurant Insurance
Risk Management for Resort Waterparks
With the warm weather around the corner and after a year of safer-at-home guidelines and resort waterpark closures and/or limited-capacity mandates, operations are now getting ready for returning guests. As fun as waterparks and slides are, they can also be dangerous with people getting hurt, sometimes severely. Slip and fall injuries are common as guests…
Liability Risks with Cigar Bars, Hookah Lounges in Casinos and Resorts
Casinos and resorts throughout the country, including in Las Vegas, Los Angeles, and Florida, joined the cigar bar craze years ago, offering clientele the opportunity to light up while sipping exotic cocktails or flights of whisky or bourbon. Cigar bars became the perfect venue for buddies to throw a bachelor party with themed atmospheres that…
How Agents Can Lower the Cost of Workers’ Comp
Workers’ Compensation insurance is mandatory in nearly every state and designed to provide employees with coverage for medical costs and lost wages for workplace-related injuries or illnesses. Work Comp premiums are based on three factors: classification codes, employer payroll, and an employer’s experience modification (ex-mod).
Can Restaurants Use CBD?
If it feels like you are seeing CBD everywhere, it is because you are. From cookies and desserts to lattes and cocktails, and anything in between, incorporating CBD into menus is a hot new thing. With CBD at the intersection of three rapidly growing consumer trends — the anxiety economy, the cannabis industry, and the…
Driver Liability Pitfalls for Hotels Providing Insured Vehicles to Their Guests
Car companies like BMW, Mercedes, and Porsche have been teaming up with hotels for years to provide guests with vehicles – particularly luxury cars. It’s a way to drive up recognition of their respective brands among both leisure and business travelers. Some brands even offer loaner cars that allow guests to experience new models while…
What the ADA Says About Service Animals in Hotels
From the blind to the hearing impaired, a number of people require the assistance of a service animal. These animals can aid with mobility issues, alert the hearing impaired, guide the visually impaired, and perform tasks that a disabled person cannot. However, some establishments, like hotels, fall behind on the rights of these individuals. Brushing…
Balancing Worker Safety and Customer Demands
Municipalities and businesses across the United States have enacted mask mandates in an effort to quell the spread of the coronavirus. Despite that, a handful of Americans refuse to comply, raising the question of enforcement. While some local governments fine those who violate public health guidelines, the routes for recourse for businesses are unclear. How…
Are Ski Resorts Liable for Accidents on the Slopes?
From New England to the Rocky Mountains, the United States is home to countless ski resorts. A popular winter activity, skiing is a great way to get some exercise and enjoy the winter. However, skiing can be very dangerous, with some accidents resulting in fatal injuries. What happens when injuries occur on the slopes at…
The Changing Face of the Hotel Umbrella Market
The tight insurance market without question has hit the hospitality industry, including the Excess/Umbrella space. In addition, COVID-19 has brought significant challenges for the hotel industry as it struggles to gain traction after being upended by the pandemic. We spoke with Sean Young, VP, Distinguished Hospitality Umbrella Product Manager, for some insight into the challenges…
Why Hotels Should Have High Umbrella Limits
The massive verdicts making headline news during the last several years have been a wake-up call for many hotel clients to ensure they carry enough Excess/Umbrella Liability coverage to protect against catastrophic losses. But the reality is that most large hotel liability losses are not the result of headline-making events or incidents, like the mass…