Understanding Renter's Insurance Plans Understanding Renter's Insurance Plans


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Understanding Renter's Insurance Plans

Hi everyone, my name is James Lewis. Welcome to my website about renter’s insurance plans. When I was renting an apartment years ago, I came home to find the place absolutely soaked with water. Turns out, the neighbor upstairs had an incident with the water heater that was not discovered for hours. Unfortunately, at that time, I did not think to acquire renter’s insurance to cover the damage. Since then, I have explored renter’s insurance options in great detail. I want to share that information on this site to help others understand the important of this type of insurance coverage. Thanks for visiting my site.

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Workers' Compensation Insurance Is Essential For All Hotels And Resorts

Hotels and resorts are thought to be relaxing environments, so it is easy to assume that your employees are not at risk of injury. However, the opposite is true, from your housekeeping staff to the maintenance team, there are plenty of areas of risk that could jeopardize their wellbeing. Even more important, if these injuries are caused during their work practices — your company may be liable. It is essential you carry workers' compensation insurance.

Slips and Falls

It is fairly easy for an employee to slip and fall and injure themselves while at work. For instance, a guest could track water from the pool area and an employee could easily slip and break their arm as a result of the fall. 

Although the wet floor is ultimately the result of the guest's actions, it is still your responsibility to provide a safe environment for staff. From their lost wages to their medical expenses, your employee can legally look to you to cover these costs. If you do not have workers' compensation insurance, you will have to self-pay all of these costs.

Muscle Sprains 

Another common injury in hotel and resort environments are muscle sprains. In order to make sure that the guests at your property have a seamless experience, your staff members have to do a lot of heavy lifting behind the scenes, literally. 

For instance, whether it is a housekeeping professional lifting a heavy mattress or a maintenance professional carrying around a large piece of equipment to perform a repair, lifting these large objects can lead to a muscle sprain. Only workers' compensation insurance can provide extra financial safeguards in the event of these sorts of injuries. 

Aggressive Guests

It is also important to keep in mind that aggressive guests can also be the source of an injury for your staff, especially when it comes to your security personnel. For instance, if an overeager guest is intoxicated or acting unruly, in the event a member of the security staff attempts to restrain the individual, but they attack them, you need to understand that this sort of injury would still be considered work-related. 

As a result, your company could be held financially liable. It is essential you cover yourself from all forms of work-related injury responsibility with this insurance.

If your hotel or resort does not have workers' compensation insurance, you are at risk. Speak with an insurance professional to learn how you can protect your business.