Recently, a jury awarded a family $546,000, the largest judgment ever for a bed bug related case, in a suit brought against Liberty Mutual and Hilton Garden Inn, located in Ontario/Cucamonga, California. The lawsuit claimed that a few hours after going to bed, the family awoke with bites and rashes...
Author Archives: James Dick, CPCU, AAI
Does Your Inn Offer In-House Massage Therapy?
Massage therapy has been proven to reduce pain and stress, improve overall circulation, increase immune efficiency and flexibility, and improve overall appearance. With this in mind, it is more and more common for inns to offer in-house massage services to their guests. If this is a service your inn offers,...
Wagon Ride Safety at Your KOA
What is it about riding on a tractor or horse-pulled wagon that brings out the kid in just about everyone? Whatever the reason, it is imperative that your KOA takes the necessary precautions to ensure the safety of your guests and staff. Whether your wagon is being pulled by a...
Can Your Business Function Without Electricity?
Recently, 40,000 vacationers were forced off the Outer Banks, the popular North Carolina vacation spot, due to lack of power. The power outage was caused when a construction company accidentally severed both the main power line and the back-up power line to several of the islands within the Outer Banks....
Why Do You Ask Who Else Lives with Me?
People love to argue with me. “It’s because you’re always WRONG,” my little brother would holler at me. Many insurance customers feel the same way. “Why do you care who else lives at my house? I’m the only one who drives my car.” I am asked this question more frequently...
Driving on Inn Business? What You Need to Know
Due to the nature of most inn-keeping business models, owning a vehicle is not a key asset. Most innkeepers, however, personally own a vehicle and insure it under their personal car insurance. This is fine, except that every innkeeper I have ever spoken with drives his or her personal car for inn business....
Help from the Handyman: What you need to know
What happens if your KOA’s handyman causes an unnoticed water leak within your walls, causing the growth of a fungus? What if a camper bumps into his ladder and both are injured in the resulting fall? What if he turns out to be a terrible handyman and the roof you...
Liability of Serving Champagne
Do you include wine in romantic packages? What about welcome champagne? While these can greatly enhance the guests’ experience when done correctly, they can also provide a surprising liability issue for inns. For example, a guest consumes the glass of champagne and then has an automobile accident later that evening....