3 Common Types of Lawsuits in the Hospitality Industry

Hospitality is an exciting field that allows your business to serve many types of people in their travels. However, there are risks to operating a hospitality business. Negative incidents can lead to lawsuits, which can lead to lengthy legal negotiations that can be devastating to a business’s finances.

Here are some common examples of hospitality industry lawsuits.

Negligence

Any situation in which the customer feels the company neglected its duty to provide a safe environment can lead to a general negligence lawsuit. Hospitality companies can avoid these lawsuits by adhering to strict safety standards and investing in regular training programs for all employees.

Physical Endangerment

If a hotel guest is a victim of a crime such as assault on the premises of the building, the company may be found liable. Other common situations include theft and domestic abuse. You can reduce these risks by investing in security cameras and training security guards to recognize dangerous situations.

Violations of Disabilities Act

The Disabilities Act requires businesses to provide amenities that allow people with disabilities to navigate the premises. There are many requirements companies must abide by, so it is a good idea to consult a Disabilities Act expert in your industry.

Keeping these risks in mind will help your hospitality business avoid costly lawsuits. 

The Top 3 Benefits of Hospitality Insurance for Your Business

Hospitality Insurance for Your Business

The Top 3 Benefits of Hospitality Insurance for Your Business

The modern insurance field is complex and competitive. This is especially true when it comes to specialty arenas like hospitality insurance. Many business owners and managers can struggle when searching for affordable quality insurance to cover their employees, patrons and company operations. If you run a business in the hospitality industry, then a competent and flexible insurance company like RMS Hospitality Group can help alleviate your insurance concerns.

1. Personalized Plans Can Meet Your Needs

It can be narrow-minded to approach the unique field of hospitality with a one-size-fits-all approach to insurance. A high-quality insurance company like RMS Hospitality Group is capable of tailoring a plan to your standards, based upon the size of your business, the type of events you host and your location.

2. Experienced Brokers Can Help You

The hospitality industry today is fast-paced and sometimes overwhelming. By entering into a positive relationship with highly-rated and experienced professional brokers, you can trust in the quality of your insurance plans and focus on the rest of your business performance.

3. Wide Coverage Options Can Protect You

A variety of insurance options are available, specifically for the hospitality industry. These can include, but are not limited to:

• Assault and battery insurance

• General liability

• Liquor liability

If you would like to know more about what RMS Hospitality Group can do for you, contact us today!

Auto Insurance for Staffing Firms

hired non owned auto

Like many companies out there, your staffing firm may unique insurance needs regarding automobiles. For example, you may utilize cars that are owned by employees for business purposes. In other cases you might own, lease, rent, hire, or borrow cars. Whatever your circumstances are you should make sure you have the right insurance coverage, such as hired non owned auto.

Why You Need Insurance

Using cars for business purposes is a common occurrence. What many people don’t think about is the inherent risks involved. Even if you only use cars sparingly it’s smart to have coverage on hand just in case an accident happens. Here are some common situations where you might need to use a car:

  • You send your employee to grab lunch.
  • You get a client picked up by a limo.
  • You get a rental car on a business trip.
  • Your employee goes to get office supplies.

Coverage Basics

Before you invest in coverage you might want to know what it entails. This policy protects your business when it is liable for damages related to an employee driving a rented or personal vehicle for the purpose of conducting business. Hired non owned auto insurance covers liability claims, defense costs, and actions taken by your staff.

You might also need auto insurance for vehicles that are owned by your business. Assess your needs and get the necessary plans to make sure you’re properly protected.

Insuring Your Restaurant for Peace of Mind

restaurant insurance in Texas

As a restaurant owner, you most likely don’t like to consider the possibility of accidents or losses, but unfortunately, they are inevitable. If you are considering restaurant insurance in Texas, it would be wise to invest. Having insurance helps protect your restaurant when accidents or losses do occur and provides a sense of security to you and your employees. Guests can injure themselves in countless ways and being prepared as well as aware of the possible repercussions is crucial. Even if personal injuries do not occur, equipment damages can transpire or the building itself can require repairs. These can have detrimental effects to the restaurant and your finances. If extreme damages do occur, not having restaurant insurance can end up putting your restaurant out of business.

Although some restaurant insurance in Texas may be expensive, you can find a competitive rate with some research. You will most likely be required to fill out paperwork and once that is completed, you can request quotes. When submitting the applications, you are not agreeing to pay anything or purchase insurance. It is not throwing money away, but rather a sensible investment in the future of your restaurant. Without insurance, you may hit with a massive payment when a loss or incident does occur. It is always better to be safe than sorry which is why obtaining restaurant insurance is vital for any restaurant owner.

Finding the Best Insurance for Your Small Business

liability insurance

When you’re a small business owner, you take a great amount of pride in the hard work, dedication and effort it took to get you there. Your customers are important to you, and the last thing you want to do is let them down, but you know sometimes things happen and you’re in need of insurance to protect your business. If you’re looking for liability insurance for a small business in Florida, you need a company that specializes in insuring small businesses. It also needs a familiarity with the insurance world to advise you of the correct policy your business needs for maximum protection.

The type of insurance policy you need depends largely on what type of business you run, your products, your environment and many other factors. Finding liability insurance for a small business in Florida should be determined by first creating an assessment of your business. This involves examining your operational hazards, employees’ responsibilities, asset value, annual income and other parts of your business that need coverage. Once this has been established, then your insurance company can find gaps in your assessment and how best to fill them. Don’t wait – it’s one of the best things you can do for your business, your customers and yourself.

Get Specialized Hospitality Insurance

Customer service defines the hospitality industry. From creating a venue that feels comfortable to your clientele to providing high quality food and entertainment, you set your establishment apart with exceptional service. When shopping for insurance coverage, you should seek a specialized company that understands your industry and offers exceptional customer service. RMS Hospitality is that company.

Whatever your venue, from comedy club to family restaurant, you need general liability insurance and excess liability insurance. If you arent covered appropriately, a slip-and-fall claim could cost you your business. Good hospitality insurance includes fraud protection. Unfortunately, some unscrupulous people could try to take advantage of you to get an unwarranted damage award. An insurance company with hospitality industry experience will vet claims for indications of fraud.

Do you know your restaurant or club needs products and completed operations insurance? While it may sound more appropriate for a manufacturer, it will protect you in case a customer experiences something like food poisoning.

Along with the right insurance, you want an agency that uses the highest rated insurance underwriters. Hopefully you never experience a claim, but you want your insurance to be there just in case.

Your business grows by providing quality, specialized service. RMS Hospitality has the insurance you need to protect your assets.

Protect Your Hospitality Business With The Right Insurance

Your business all about fun. You can keep the party going if you have the right insurance coverage. Nightclubs, pubs, restaurants, sports bars and comedy clubs are all different, yet all need to be protected from theft, business interruption and lawsuits. Guard yourself against liability from patrons and staff. RMS Hospitality is ready to help assess your need, provide legal advice and walk you through the claims process. You want to be back up and running quickly. You need insurance coverage that allows you to do that. Size does not increase or decrease risk. Business interruptions can happen because of things far beyond your control. Do you rent your business space or own it? Specific coverage is available for your particular situation and geographic area. It is the reputation you’ve earned that keeps your business growing. That is sometimes hard, complicated work. Insurance is a complicated business as well. RMS Hospitality is backed by a nationwide staff with over 20 years’ experience. Like you, we know experience matters.

It’s all right to stay up all night. Just let it be because your business is booming and customers can’t wait to get in, not because you have insurance concerns. When you do go to sleep, you can rest well knowing coverage is the last thing you have to worry about.

Rest Well With The Right Hospiality Insurance

Customers come to your business to have a good time. To keep the party going and your profits up, have you stopped to look at ways to reduce insurance claims? Your insurance provider is not only there when for problems. Your agent is also there to help you do an annual safety check. Who wants to prevent a fire or fall if they can? That would be you. RMS Insurance is ready to help identify where you can take steps to prevent accidents and thefts. Size does not increase or decrease risk. Interruptions can happen to any business because of things beyond an operator’s control. Whether you own a night club, restaurant, sports bar or comedy club, specific coverage is available for your particular situation and geographic area. You’ve worked hard for the reputation that keeps you growing, but some aspects of business get complicated. Insurance is one of those things. RMS Insurance has seen it all and will help you learn from the mistakes of others.

It’s all right to stay up all night. Just let it be because your business is booming and customers can’t wait to get in, not because you have insurance concerns. When you do go to sleep, rest well knowing coverage is the last thing you have to worry about.