New Amenities, New Risks: How to Protect Your Guests and Your Business
By John Welty Practice Leader, SUITELIFE Underwriting Managers, Ryan Specialty Group | December 16, 2018
These days, hotels and resorts are doing everything they can to differentiate themselves from the competition. They'll do much more than "leave the light on for you," offering a variety of amenities and experiences from new water-park like swimming pools with slides and lazy rivers to exotic car rentals. They are competing not only on price, comfort, availability, and location, but also on amenities.
In searching for that perfect hotel, the online search parameters can be overwhelming. Are you looking for a secluded hotel away from the hustle and bustle of the big city or are you looking for an inter-city retro hotel? Are you looking for something family friendly or a hotel that provides more of a romantic get-away atmosphere? Do you want a resort with golf amenities or daily excursions? The search possibilities are endless.
Unfortunately, with new amenities and services, come new risk exposures and in many cases, hotel owners and operators may not have considered the risks these new amenities can introduce for their guests, employees and bottom lines. Ignoring these risk exposures, however, can put your guests and employees at risk of injury or even death, and in turn, could cause irreparable damage to the hotel's reputation and its future.
Pools, Fitness Centers and Spas
Most guests think they understand the risks of using a hotel pool or fitness center. These two amenities are very common for hotels, whether high-end or economy.
Take the pool exposure–most guests are aware of rules like no diving, no running, and no glass in the pool area. Hotels post signs when no lifeguard is on duty, post pool depth markers, and state that the pool is to be used by guests only. Similarly, hotels post rules and procedures for their gyms or workout facilities with which many guests are familiar. Hotel owners and operators post policies and procedures, age restrictions and 'use at your own risk' signs. These are amenities that are familiar to most, if not all guests, and as a result, can pose less catastrophic exposure to the hotelier.
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