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Industry

Hospitality

HM Risk: Employee Benefits and Risk Management: Hospitality

Hospitality Program Highlights – What You Can Expect:

Services Expertise
Coverage and Contract Analysis

  • Review of Franchisor and Loan Insurance Requirements.
  • Ability to run property valuations to make certain that you are insured to value.
  • Review of Crisis Event programs.
  • Certificate Review Programs.

 

Loss Control

  • In-house Loss Control Consultant

  • Recommendations to better manage loss experience.

  • OSHA audit information and review.

  • On-Site training.

  • Education and Training workshops

 

Claims-Handling

  • In-house Client Claims Advocate
  • Act as a go-between with the client and the carrier.
  • For Record Only program to reduce claim frequency and impact on future premiums.
  • Recommend Physician Networks.

 

Information and Communication Tools

  • Training on carrier website utilization.
  • On-line Claims Access.
  • Cost Allocations by property.

 

Management Reports

  • Generate reports by location and entity.
  • Loss reports with claims split by location and entity.
  • Individual loss control and recommendations.
  • Audit information available by location or entity.
  • Ease of transition in and out of program without penalty.

 

Pricing

  • Competitive pricing due to program economies of scale.
  • Spread of risk.
  • Higher program limits than what can be secured individually.
  • One loss does not devastate the program.
  • Reduction in pricing swings – consistent pricing over time.
  • Increased competition and market availability.

 

Coverage

  • Blanket Property Limits.
  • Agreed Amount provision – waives coinsurance penalty.
  • Earthquake and Flood Coverage available.
  • Per location Aggregate (Applies to both the General Liability and Excess Liability policies).
  • Coverage Extension Endorsement tailored to needs of the Hospitality Industry.
  • 24 Business Interruption deductible available.

 

Additional Resources

  • Cyber and Professional Program
  • Employee Benefits on Line Platform
  • HR Consulting

Please contact Peggy Roberts
if you have any questions.

Peggy Roberts
(314) 746-4797
proberts@hmrisk.com

 

HM Risk: Employee Benefits and Risk Management: Cyber Liability
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HM Risk & Benefits

  • St. Louis Headquarters
  • 8235 Forsyth Boulevard, Suite 1200, St. Louis, Missouri 63105-1643
  • Toll Free: 800-489-6626 | 314-746-4700
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  • 2925 E. Battlefield, Suite 120, Springfield, Missouri 65804-4020
  • Toll Free: 844-432-1010 | 417-895-4600
  • 417-895-4602

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