Library Archives

 
Kurt Meister

While a slip or fall remains the most common cause of guest injuries, a hotel's largest risk exposure may lie in the water. Legionella outbreaks have been reported at several hotels nationwide. This deadly bacterium can be fatal. When it spreads, it affects multiple guests. And when your hotel receives a claim, you may not be covered if your insurance policy includes a bacteria exclusion. This article walks through common causes of guest injuries – from legionella and E. coli to bed bugs and molestation – and offers best practices for preventing injuries, protecting your hotel and safeguarding your guests. Read on...

John Welty

In the competitive hotel space, guests expect hotels to offer variety, creativity and excellence in not only the accommodations and services they offer, but in the ancillary activities they provide. Pools, gyms, spas and daily excursions all present a variety of risk exposures to hotels that owners and operators need to consider. In this article, we discuss new trends in activities and services provided by hotels, as well as the risks involved with each and how to mitigate them. Read on...

Dana Kravetz

Insurance represents a significant cost of doing business for hoteliers. But too few truly comprehend the coverages they are paying for or why certain policies are needed at all. Which is why this overview of insurance and its role in hospitality-related risk management should come in handy. With an emphasis on the importance of adequate insurance coverage, and a straightforward explanation of the types of policies hoteliers should be in the market for - CGL, Worker's Comp, EPLI, Crime and Cyber, among them - the following primer for hotel and resort owners and operators is meant to clarify a subject that is oftentimes misunderstood. Read on...

Raul Chacon

Providing a safe and healthy workplace is not only required by the Occupational Safety and Health Administration (OSHA), it is also essential to protect a hotel and its employees from the negative repercussions of work-related accidents and illnesses. As a hotel owner or manager, it is important to maintain a safe work environment to protect employees and better control related costs. This article explains what to do before, during and after a workplace accident, as well as actionable steps hotel executives can take to create a safe and healthy work environment for all employees. Read on...

John Welty

"Who are you wearing?" will again be asked up and down the red carpet this year during Hollywood's annual awards season. Big names in the fashion and jewelry world like Gucci, Carolina Herrera, Christian Louboutin, and Cartier are likely to be the answers. This may leave one to wonder - how are these high-value items protected when the celebrities are off the red carpet and back in their hotel rooms? And then, how do non-celebrity hotel guests ensure their higher value items are protected during their vacations and hotel stays? In this article, we discuss insurance coverages hotels provide or should consider providing to protect guest property - whether high value or standard, tips on how to mitigate risk exposure, as well as additional options for hotel guests to expand their personal coverage when they are on the road. Read on...

John Welty

Hotels provide a variety and growing number of ancillary services from child care to swim lessons to spa treatments. With so many different services being offered in one hotel, it can become increasingly difficult for hotel owners and operators to make sure they have the right protections in place in case anything goes wrong. Unfortunately, when a hotel is providing day care services, youth related events or intimate spa services, among other things, risks abound. In this article, we talk about the insurance coverages hotel owners and operators should consider when they add additional service offerings to their suite of hotel guest services. Read on...

John Welty

The opportunity to drive their dream car is on the bucket list of many. That goal can be checked off fairly easily these days as luxury car driver experiences are available through a variety of venues, including hotels and resorts. Dreamers no longer have to shell out hundreds of thousands to drive a Lamborghini; they can reserve a luxury suite at certain high-end hotels and enjoy the privilege of driving one for a few hours. Of course, for hotels and resorts offering this luxury service, new risks come with the experiences. In this article, we discuss what hotel and resort owners participating in these luxury driver experiences can do to make sure they have taken the proper steps to protect their guests, employees and their bottom lines. Read on...

John Welty

Discrimination has been a hot topic in the news lately. The "Hate Has No Home Here" campaign, women's marches, LGBTQ issues and Black Lives Matter protests are just a few examples of how Americans have been turning up the heat on what some view as existing but emerging threats to their race, gender, age, religion, or lifestyle. On the corporate side, the discrimination issue has left virtually no industry untouched. In this article, we will examine the impact of the topic of discrimination as it continues to gain steam in the hospitality industry, in particular. We will also discuss examples, insurance coverages available as well as risk management tips. Read on...

John Welty

Hurricanes can be frightening experiences, particularly for those on the coast. For hotels, which occupy much of the country's coastal landscape, they can bring revenue to a halt. Business interruption coverage is key to help hotels get through these catastrophes without having to board up their businesses for good. In this article, we explore the ins and outs of business interruption coverage to help hotel owners question their coverage and ensure they have the protection they need to come out on top after a major loss. Read on...

David Quezada

More than three million workplace injuries were reported in 2014, according to the Bureau of Labor Statistics. Of these, 75 percent occurred in service industries, which includes hotels, restaurants and bars. Workplace injuries and illnesses can have many negative repercussions, including potential litigation, higher workers' compensation premiums, employee turnover and low morale. Businesses with unsafe working conditions can also be subject to fines from the Occupational Safety and Health Administration (OSHA) - and the penalties for non-compliance just got a lot higher. Read on...

Philip J Harvey

A city's win of a major special event like the Republican or Democratic National Convention can mean a boon for the local economy, including the hospitality industry. Unfortunately, these days, it also means heightened security concerns. Whether here or abroad, acts of terrorism, bombings, and active shooter situations are a part of life and cannot be ignored. Hotels—particularly those in special event host cities, or those hosting large conventions or multiple conferences simultaneously—need a plan in place to reduce their risk exposure to these horrific events. By developing security action plans and reinforcing them, hotel management can be sure they are doing the best they can to protect their guests and business without spoiling the fun of these events. Read on...

Christopher Bolger

A good corporate culture of safety and risk management starts at the top and spreads to all staff until it is woven into the fabric of the hotel's daily activities. An effective safety program holds everyone from executives to housekeeping staff accountable for implementation and execution of clearly defined safety procedures. Hotel staff need to be proactively thinking and talking about safety - immediately wiping up spills, reporting pot holes in the parking lot and cutting off bar guests who've had one too many, among other things. By creating and implementing a top-notch safety program and holding employees accountable to it, hotels can significantly reduce their risk exposure and save millions of dollars in avoidable claims or potential reputational damage. Read on...

Philip J Harvey

For hotel guests, a pool can be the most inviting amenity on the property. For hotel operators, pool safety is an ever-present source of liability. Risks go far beyond the possibility of water-related catastrophic losses such as drowning or serious injury in a diving accident. The water quality of a hotel's pools and spas also poses significant safety issues. The Centers for Disease Control and Prevention (CDC) says recreational water illnesses (RWIs) are on the rise and can manifest in a variety of skin conditions and gastrointestinal, skin, ear, respiratory and eye infections. Additional exposures include the unintentional ingestion of water. Read on...

Philip J Harvey

When hotels are victims of data breaches, they take a hit to their reputation as well as to their bottom line. When they do not have a data breach response plan, proper security and a specialized insurance policy to adequately protect them, they find the consequences are even more severe. They struggle to respond quickly and accurately, and discover they are exposed to liabilities far beyond what they imagined. It's time hotels large and small recognize and prepare for what's happening in the hospitality industry. Read on...

Philip J Harvey

Typically, when we attempt to control insurance claims costs in hospitality, we find ways to reduce the number of claims. That means yet another conversation about slips, trips and falls, the most frequent source of any insurance claim filed by a hotel. What about the most costly claims, the ones that draw settlements in the hundreds of thousands of dollars? Hotels must also reduce their exposure to risks that result in these sometimes catastrophic claims, from Legionnaires' outbreaks to back strain injuries among hospitality staff. In this article, I will discuss five emerging risks and one all-too-familiar risk that generate costly insurance claims. Read on...

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Coming up in June 2019...

Sales & Marketing: Selling Experiences

There are innumerable strategies that Hotel Sales and Marketing Directors employ to find, engage and entice guests to their property, and those strategies are constantly evolving. A breakthrough technology, pioneering platform, or even a simple algorithm update can cause new trends to emerge and upend the best laid plans. Sales and marketing departments must remain agile so they can adapt to the ever changing digital landscape. As an example, the popularity of virtual reality is on the rise, as 360 interactive technologies become more mainstream. Chatbots and artificial intelligence are also poised to become the next big things, as they take guest personalization to a whole new level. But one sales and marketing trend that is currently resulting in major benefits for hotels is experiential marketing - the effort to deliver an experience to potential guests. Mainly this is accomplished through the creative use of video and images, and by utilizing what has become known as User Generated Content. By sharing actual personal content (videos and pictures) from satisfied guests who have experienced the delights of a property, prospective guests can more easily imagine themselves having the same experience. Similarly, Hotel Generated Content is equally important. Hotels are more than beds and effective video presentations can tell a compelling story - a story about what makes the hotel appealing and unique. A video walk-through of rooms is essential, as are video tours in different areas of a hotel. The goal is to highlight what makes the property exceptional, but also to show real people having real fun - an experience that prospective guests can have too. The June Hotel Business Review will report on some of these issues and strategies, and examine how some sales and marketing professionals are integrating them into their operations.