If so, food spoilage and contamination needs to be addressed by the policy and we need to ensure that the proper liability is in place for alcohol consumption.

It is important to ensure that the proper risk management procedures are in place for the storage and access of keys, that there are sufficient security cameras in the right places, and that the proper driver’s license screening has occurred for all employees.

A loss can occur from something as simple as a credit card breach all the way up to the strength of your network security.

Malicious software can be added to point of sale devices in restaurants and lounges, and shared networks can be susceptible to data thieves.

Changing your passwords often, ensuring the proper network security and having the right cyber coverage can help protect you.

Your insurance coverage must be in line with your master franchises requirements.

Each franchise has its own set of rules and guidelines that must be followed.

Understanding what risks your hotel patrons, staff and partners may be exposed to is critical in mitigating a loss.

Actively searching out risks such as snow removal, eavestrough placement, salting and sanding or the presence of handrails will help you to keep your people safe. This will also reduce the number and severity of claims.