The Benefits Hospitality Insurance Programs

Hospitality-oriented businesses, such as restaurants, face a number of risks and exposures related to serving the general public. Dealing with claims can be mentally draining and can even potentially harm the reputation of your business. Although you may have purchased coverage for this type of exposure from any of a number of hospitality insurance programs, it is still important that, as a business, you also do your part in preventing these types of claims from occurring.

Parking lots and sidewalks are a major concern

Parking lots and sidewalks should be routinely inspected and kept well maintained. You should have the parking lot inspected for any potholes that may need to be filled and while tending to the parking lot do not forget that sidewalks are to be cleared of any obstacles or debris.

Interior and exterior lighting

Incidents are more likely to occur in dark or poorly lit areas so check all lighting, both inside and outside of the property (especially in the parking lot) for dark areas that make it difficult to see, and ensure that all areas are properly illuminated.

Flooring is equally important

Make sure that the staff periodically examines the rugs and flooring for any trouble areas in need of repairs in order to avoid trips and falls. If any repairs need to be made, do so immediately. Slip-resistant floor materials and treatments should be applied to necessary areas, especially dance floors.

Spills and wet surfaces can be extremely hazardous

Ensure rapid cleanup of spills and use movable caution signage to inform guests and employees that an area may be slippery. If the interior floor is wet from rain being tracked in from outside by patrons or others, be sure to utilize caution signs to notify the public of the wet floor.

Fire safety should be a number one concern

Inspect all smoke detectors to ensure that they are completely functional and do not need replacing. Also, make sure that all exits are clearly marked. Emergency power sources for egress lighting should be tested regularly and appropriate kitchen fire safety equipment should be installed and routinely cleaned and inspected.

Review the establishment as a whole to ensure a safe environment for patrons and employees, and invest in hospitality insurance programs designed to meet the specific needs of your business.