At least once a year before renewal, and any time you renovate, add amenities like a pool or bar, change your number of rooms, add vehicles, or change your payroll ...
Yes. Franchise agreements usually require specific coverages and minimum limits, such as general liability, umbrella, liquor liability, and property coverage, and require the franchisor to be named as an additional ...
Standard property policies typically exclude mechanical and electrical breakdown. Equipment breakdown coverage pays to repair or replace HVAC systems, boilers, elevators, commercial laundry equipment, kitchen equipment, and electrical systems after ...
It depends on the policy. Guest injury claims from bed bugs may fall under general liability, but many policies limit or exclude pest-related claims, and the cost of treatment and ...
Many hotels carry at least $1 million per occurrence and $2 million aggregate in general liability, and add a commercial umbrella of $1 million to $10 million or more on ...
It's a good idea for most hotels. With many hourly employees and high turnover, hotels face claims of wrongful termination, discrimination, harassment, and retaliation. Employment practices liability insurance (EPLI) covers ...
Make sure the guest gets help and call 911 for serious injuries. Complete an incident report, photograph the area, collect witness information, and save any security camera footage. Be compassionate, ...
Get the employee medical care, document what happened, and report the injury to your workers' comp carrier right away. In Tennessee, the employer generally provides a panel of physicians for ...
Keep detailed maintenance records, invest in fire protection like sprinklers and monitored alarms, keep your roof in good condition, build a written safety program, reduce slip and fall hazards, secure ...
If your business owns vehicles, such as an airport or attraction shuttle or a maintenance truck, you need commercial auto insurance. If employees run errands in their own cars, hired ...
