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3 Safety and Security Issues Every Hotel and Motel Should Consider

Hotels and motels have had it easier when it comes to stable insurance rates. But with recent news headlines and security risks, they’re starting to see rate hikes and coverage restrictions.

In order to protect their bottom line, hotels and motels will now have to start taking into account several risks of doing business. From cyberattacks to violence and human trafficking, learn more about these three very important issues hotels and motels must address.

Threat #1: Cyber attacks

Up until recent years, businesses didn’t have to consider the threat of data breaches, system failures, cyber extortion, or business interruption from loss of access to data and more. But hotels and motels have fallen victim to cyberattacks, and cyber liability can protect them. Sometimes cyber is purchased as an endorsement to a commercial or a general liability policy, but a standalone cyber liability policy will give you broader coverage. You will need to work with an insurance agent to make sure your coverage limits are met.

Threat #2: Human trafficking


Another important topic frequently reported in the news, human trafficking typically happens in hotels and motels, and hotel staff needs to be on the alert. Because of this fact, hotels and motels could be held liable if something were to happen on their premises, especially if staff members had witnessed something. Properly train hotel staff at all levels on what to look out for and how to respond to certain situations in order to keep everyone safe — and protect yourself from liability.

Threat #3: Security

There are a couple of key security measures every hotel and motel must now consider. Having a panic button for emergency situations can keep employees and guests safe. This could be located both where employees can easily reach in the open as well as on their physical person in case something happens while an employee is alone, which can send immediate help.

Additionally, you may also want to invest in active shooter training for your staff. In case such an emergency arises, you want to prepare everyone, so your risks of fatalities or injuries are minimized.

With the latest industry changes and threats, hotels and motels could greatly benefit from the advice of an insurance expert, who can identify any potential insurance gaps and help you find the most appropriate levels of coverage for your business.

At Swarts, Manning & Associates, we provide a unique perspective on all of your commercial coverage options, and we help to determine which carrier best fits your business needs. We strive to find you the broadest coverage at the best available rate. Give us a call to get started: (833) 878-2820.

Each week, Swarts, Manning & Associates covers relevant topics for your business. Stay tuned to hear more discussions about managing your insurance and industry-specific tips.

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