• Examine your phone system to ensure that callers cannot be directly connected to rooms without knowing the names of guests. The phone pranksters mentioned in the lead paragraph targeted this particular hotel because, at the time, callers could be directly connected to rooms without giving the guest’s name. Insurance Considerations Like virtually all businesses, hotels need property and liability insurance. Property insurance covers vandalism damage to the building and the contents of the hotel. It also protects the hotel from a variety of other perils such as fire, windstorm, explosion, or water damage from plumbing, etc. The insurance policy should also cover business interruption in the event vandalism or another peril causes a temporary shutdown while the damage is being repaired. Liability insurance protects the hotel against claims and lawsuits due to injuries sustained on the premises. Hotels have other specialized insurance needs such as innkeepers’ liability (covers loss to guests’ property), business auto (if autos are used, say for shuttle services), workers’ compensation, power interruption, etc.). Since the hotel business is a specialized business, its insurance program requires the attention of a professional insurance agent or broker who understands the business and its insurance needs. E07-1009 Sheila E. Salvatore, Editor | Editor@AdjustersInternational.com Copyright © 2018 Adjusters International, Ltd. All Rights Reserved. Insights for Your Industry® is published as a public service by Adjusters International, Inc. It is provided for general information and is not intended to replace professional insurance, legal and/or financial advice for specific cases. 800.445.1554 | globemw-ai.com PROTECTING YOUR PROPERTY Pranksters and Vandalism — How to Protect Hotel Property Continued PAGE 2 ®
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