Insights for Your Industry is designed to help specific industries protect their property. Articles are written from a policyholder’s perspective and include real-life examples intended to improve disaster preparedness.

Insights for Your Industry is provided free of charge as one of the public service offerings of Adjusters International, Inc., disaster recovery consultants. It is provided for general information and is not intended to replace professional insurance, legal or financial advice for specific cases.

Insights For Your Industry Restaurants *E-Edition:

*Avaiable only in PDF Format

Restaurant operators face a variety of loss exposures, including fire and theft, business interruption, and liability to customers who are injured on the premises or will become ill due to food poisoning or contamination. These editions of Insights for Your Industry are written with an eye toward the specific insurance needs of restaurants.

Issue #1008 E-Edition
Insights For Your Industry - Commercial Cooking Operations — <em>What Do Insurance Inspectors Look For?</em>: Commercial Cooking Operations — <em>What Do Insurance Inspectors Look For?</em>

Companies that insure restaurants typically use insurance inspectors to evaluate the facilities, specifically the condition of cooking equipment and loss-control practices of the restaurant operation. ...

Issue #1007 E-Edition
Insights For Your Industry - Keys to Successful Restaurant Operations — <em>Good Sanitation/Quality Control Practices and Sufficient Insurance</em>: Keys to Successful Restaurant Operations — <em>Good Sanitation/Quality Control Practices and Sufficient Insurance</em>

Insurance needs that restaurant operations should carefully consider include property insurance, business interruption, general liability, products liability...

Insights For Your Industry Hotels *E-Edition:

*Avaiable only in PDF Format

It’s a fact that disasters happen—and hoteliers know all too well that the nature of their business makes their facilities particularly susceptible to property damage. These editions of Insights for Your Industry are written with an eye toward how your insurance policy’s provisions and endorsements will function should disaster strike your hotel and how damage might be prevented or mitigated by sound risk management.

Issue #1009 E-Edition
Insights For Your Industry - Pranksters and Vandalism – How to Protect Hotel Property: Pranksters and Vandalism – How to Protect Hotel Property

Vandalism is a risk that all hotels face and must take steps to avoid or minimize. We give you suggestions to prevent criminal acts from taking place on your property and explain the proper insurance coverages you need.

Issue #1006 E-Edition
Insights For Your Industry - Ordinance or Law Insurance — <em>Are You Covered?</em>: Ordinance or Law Insurance — <em>Are You Covered?</em>

Does your hotel carry ordinance or law insurance? The absence of this coverage can significantly increase a hotel's potential exposure to loss.

Issue #1005 E-Edition
Insights For Your Industry - Coinsurance — <em>What Is It and Why Is It Important?</em>: Coinsurance — <em>What Is It and Why Is It Important?</em>

What is coinsurance and how can it affect the settlement of a property loss? The objective of coinsurance is to reward those who insure at close to full value and penalize those who do not...

Issue #1004 E-Edition
Insights For Your Industry - Bed Bug Infestation — A Concern for Hospitality Industry: Bed Bug Infestation — A Concern for Hospitality Industry

Standard commercial property insurance does not provide coverage for insect infestation. However, today insurance companies are offering the coverage for commercial enterprises such as the hospitality industry...

Issue #1003 E-Edition
Insights For Your Industry - Your Annual Insurance Check-Up — Why Bother?: Your Annual Insurance Check-Up — Why Bother?

A hotel may be a well managed operation that is consistently profitable and viewed favorably by its guests. Management and prosperity aside, however, things can change in a moment's notice by a property...

Issue #1002 E-Edition
Insights For Your Industry - Innkeeper’s Liability for Loss to Guest’s Property: Innkeeper’s Liability for Loss to Guest’s Property

Under common law, an innkeeper or hotelier was liable for loss or damage to guest's property for the full value, unless the loss was caused by an act of nature (hurricanes, tornadoes, etc.), civil unrest, or the fault...

Issue #1001 E-Edition
Insights For Your Industry - Automatic Sprinkler System Malfunctions: Automatic Sprinkler System Malfunctions

Automatic sprinkler systems are an essential element of fire protection today. If they are properly inspected, tested and maintained, they typically will respond as expected in the event of a fire. However, whether the system is responding to a fire or simply malfunctions...