Monthly Archives: December 2010

Hospitality Industry Employee Risks: Hotel Owners Should Maintain “Employment Practices Liability” Insurance Coverage For Wrongful Termination, Harassment And Discrimination Suits

EPL insurance policies protect businesses from the financial costs incurred from employment-related lawsuits filed for a range of reasons, from wrongful termination to harassment to discrimination and so on. More than half of claims are filed against small businesses…however, less than two percent of businesses with fewer than 50 employees purchase EPL insurance.

  • A recent Chubb survey found that 36 percent of private company executives understand the gravity of their exposure to EPL suits and 21 percent said they had an experience with an EPL suit in the last five years.
  • While every EPL policy is different, a company with $1 million in sales and 50 employees can likely get a policy for about $7,000 per year—$10,000 if they also take out coverage protecting directors and officers in the event of liability lawsuits against them personally.
  • The leading charge filed in discrimination cases is an allegation of racial discrimination, at 36 percent of cases, according to EEOC figures from 2009. Gender-based discrimination was alleged in 30 percent of cases.
  • Age-based claims made up 24 percent
  • Disabled claims tallied 23 percent.

In many cases, multiple allegations are made. One of the growing charges, according to the EEOC, is retaliation against employees for making discrimination claims, which can involve a job switch that the employee views as a demotion related to the initial claim.

“If you go to your supervisor and say you’ve been harassed by Joe, you can bring that claim to EEOC, but then if they decide to fire you or cut back your hours, that is the retaliation component,” says Tom Hams, Aon Risk Solutions’s EPL practice leader. “That retaliation component can survive much more than the allegation itself.” The employer may win on the allegation of whether or not you were discriminated against, but they may lose a case based on the retaliation claim for moving the complainant to a different job or office setting.

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Hospitality Industry Health Issues: Second Annual Federal Bed Bug Summit To Be Held On February 1 and 2, 2011 In Washington DC

Momentum is gathering behind a planned federal summit on bed bug control. Bed bugs are now spreading beyond the nation’s beds. They’ve been found in numerous public spaces, including federal office buildings. The Federal Bed Bug Work Group encompasses several agencies, including the EPA and the departments of Housing and Urban Development, Agriculture, Defense and Commerce. Also, the National Institutes of Health and the Centers for Disease Control and Prevention.

The summit will be held from 8:30 a.m. to 6:00 p.m. at the Georgetown University Hotel and Conference Center  in  Washington DC 

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Hospitality Industry Internet Security Risks: Hotels Can Offer Wireless Internet With WPA2 (Wi-Fi Protected Access 2) To Offer Guests Greatest Wireless Security


  • The short answer is: No. Wi-Fi was born to be convenient, not secure. Unsecured, unprotected wireless is everywhere. When a device connects to unprotected Wi-Fi, all the data stored on that device is available to a hacker with the proper sniffing tools.
  • The longer answer is: It depends on what kind of wireless that is provided.
  • Free, unsecured Wi-Fi is the least secure. Any Wi-Fi connection, whether in public, at home, or in the office, that is shared with anyone with any wireless device, lacks encryption of the data packets streaming from the connected devices.
  • A simple Firefox add-on called Firesheep can allow anyone with a Firefox browser to sniff out other devices using the same Internet connection, and to spy on their browser activity. Even if the victim’s login is encrypted, once they visit an unencrypted site, their data becomes vulnerable.
  • Wi-Fi with a WEP encryption is slightly more secure. Wired Equivalent Privacy was introduced in 1997 and is the original version of wireless network security. But WEP has been cracked, hacked, and decimated.
  • Wi-Fi with a WPA encryption is better. Wi-Fi Protected Access is a certification program that was created in response to several serious weaknesses researchers found in WEP, the previous system. WPA and WPA2 are tougher to crack, but not impossible.
  • Mobile Broadband has a degree of encryption that has been cracked, but the necessary hardware isn’t widely deployed by criminals. Researchers have demonstrated how the system can be hacked, but it’s still more secure than other options.
  • WPA2 Wireless Internet IS THE MOST SECURE 

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Hotel Pool Safety And Health: Use Of A “Food Grade Enzyme” Can Reduce High Phosphate Levels In Hotel Swimming Pools That Result In “Overchlorination”, Leading To Guest Eye Irritation, Lung Damage And Asthma

The Clarion Hotel in Portland cut its chlorine use by 87 percent.

The phosphates reduce the chlorine’s effectiveness. Adding a food grade enzyme to the water reduces the phosphate level and allows chlorine to do its work. Not only is less chlorine needed, but it also lasts longer, Cooke said.

The pool was part of a test project with the state of Maine Department of Environmental Protection to help reduce use of the chemical, which has been linked to skin and eye irritations, lung damage and asthma. The project also saved some money.

“It is very easy,” said Peter Cooke, DEP pollution prevention program manager. The agency funded the project with a $30,000 federal grant. Overchlorination is common at public swimming pools because of the high levels of phosphates, Cooke said. Phosphates occur naturally in some water but are commonly added by water treatment plants to prevent corrosion in municipal water pipes.

The phosphates reduce the chlorine’s effectiveness. Adding a food grade enzyme to the water reduces the phosphate level and allows chlorine to do its work. Not only is less chlorine needed, but it also lasts longer, Cooke said.

Don Hopkins, operations manager for the Olympia Companies, property management company of the Clarion Hotel, said regular swimmers at the pool immediately noticed a difference.

“They said it smelled better and the water felt softer on the skin, ” Hopkins said.

He said workers at the hotel also noticed the difference. Hopkins said adding the enzyme to the 30,000-gallon pool saved $200 a month in chlorine costs, compared to the $130 monthly cost of the enzyme. The company is now looking to reduce chlorine at pools at some of its other hotel properties, he said.

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Hospitality Industry Guest Health And Safety: Hotel And Spa Owners Must Maintain Clean Workout Facilities, Pools And Spas

Gym Equipment Spreads Skin Infections

  • Staph infections, including those caused by methicillin-resistant Staphylococcus aureus (MRSA) bacteria, can spread through shared gym equipment, mats and towels.
  • Infections tend to occur near a cut or scrape, and on certain body parts (the armpits, buttocks, groin and neck).
  • They start off looking like a large pimple but can swell, become painful and produce pus.
  • If they spread to your bloodstream, they can be life-threatening.
  • Many clear up on their own, but seek medical attention if a fever develops or if the area becomes enlarged, red, tender or warm.


  • Use the alcohol spray or wipes that most gyms provide to wipe off equipment before and after use.
  • Place a clean towel over mats used for doing sit-ups, stretching or yoga.
  •  Don’t share towels with others.
  • Wash your hands frequently with soap and water, or use an alcohol-based sanitizer.
  • Shower after working out. If you have a cut or scrape, keep it covered with a clean adhesive bandage and don’t use hot tubs or whirlpools.

Dirty Pools Teaming With Bacteria

  • Poorly maintained swimming pools are common, allowing bacteria and viruses to cause outbreaks of gastrointestinal illness.
  • Inspections at 3,666 health clubs in 13 states found serious lapses requiring the immediate closing of 10 percent of the pools (Centers for Disease Control and Prevention)
  • Improperly maintained circulation and filtering systems and skimpy disinfection were among the most common problems.


  • Require showers with soap before swimming and wash your hands after using the toilet or changing a baby’s diaper.
  • Don’t use the pool if the water has a strong chemical smell or appears cloudy.
  • Pool water should have little odor and be clear enough that you can easily see the bottom.
  • Chlorine and pH levels should be checked at least twice a day, and the pool’s latest inspection score should be recorded.
  • Chlorine should be 1 to 3 parts per million (4 to 6 ppm for hot tubs), and pH should be 7.2 to 7.8.

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Hospitality Industry Technology: Hotel Management Must Look To Increase Service To Improve Guest Satisfaction Via Cell Phone Applications Such As “E-Butler”

The E-Butler program is actually a mobile app that is available from the iTunes app store for free.

  • Guests can download it prior to arriving at the hotel and then once they arrive
  • They can start communicating electronically with their butler.
  • The app also features an “Insider’s Guide” from New York’s various personalities such as Vogue’s André Leon Talley, fashion designer Jason Wu, chef Alain Ducasse, architect David Rockwell and the Village Voice’s Michael Musto.
  • They comment their favorite shops, restaurants and city landmarks
  • If the guest wants to book one of these recommendations, they can do so directly through the E-Butler.

While the app is available to all to download, there are some restrictions accessing the butler–namely the app prompts all guests to enter their passcode, name, email and room number.

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Hospitality Industry Information Security Risk: Study Finds Indentity Fraud Increased by 12% In 2009 To $54 Billion

Javelin Strategy & Research, a group that does studies on identity theft and fraud, released its 2010 Identity Fraud Survey Report toward the beginning of the year. It found that the top two types of personal identification being compromised in a data breach were:
  • Victim’s full name (63%)
  • Physical address (37 percent).
  • Social Security numbers being compromised in data breaches decreased from 38 percent in 2008 to 32 percent in 2009.

It also reported that the number of identity fraud victims in the United States had increased by 12 percent to 11.1 million adults in 2009, the annual fraud amount increased by 12.5 percent to $54 billion.

But the study also found that an increasing number of consumers are fighting back against identity theft and taking necessary precautions to preserve their personal information.

The average fraud resolution time dropped 30 percent to 21 hours, and nearly half of all victims were reported to have filed police reports that ended up doubling the reported arrests, tripling the prosecutions, and doubling the percentage of convictions in 2009.

“The 2010 Identity Fraud Survey Report shows that fraud increased for the second straight year and is at the highest rate since Javelin began this report in 2003,” said James Van Dyke, president and founder of Javelin Strategy & Research.

“The good news is consumers are getting more aggressive in monitoring, detecting and preventing fraud with the help of technology and partnerships with financial institutions, government agencies and resolution services.”

Javelin researchers believe the increase in fraud is due in part to the economic downturn, when historically fraud increases.

Robert Siciliano, a researcher with McAfee Inc., identified the top 10 riskiest places for people to lose their Social Security numbers, with colleges and universities coming in at number one. Banking and financial institutions were second and hospitals were third.

According to, younger adults and small business owners tend to be the victims of identity theft because they often engage in “risky activities” that can lead to them being victimized more frequently.

Read more: The Daily Home – Fight back against identity theft

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Filed under Guest Issues, Liability, Management And Ownership, Risk Management, Theft