Top Travel Liability Insurance and Hospitality Risk Management Topics Include:

1) WHAT’S DOES IT COVER? 

• General Liability 
• Property physical damages
• Bodily injury 
• Non-owned and hired auto
• Errors & omissions for the operator

2) WHO DOES IT COVER?

• Named insured
• Volunteers working on behalf of the insured
• Directors, officers working in conjunction with the insured

3) WHAT ARE THE ADDITIONAL COVERAGE OPTIONS?

• Directors & Officers insurance
• Sexual Abuse & Molestation
• Workers comp 
• Cyber insurance

4) TRAVEL LIABILITY INSURANCE SUPPLIERS:

• Berkshire Hathaway Travel protection
• AON/Aon Affinity 
• CRC Group
• Ryan Turner Specialty 
• State Fund

5) HOW DO I KNOW WHAT COVERAGES I NEED?

• Ask your client for a contract listing what specific coverages are required, many insurance companies will require a contract to meet certain limits and criteria
• Meet with an HIFS agent to discuss your options and go over coverage meanings.

6) WHAT CAN I DO PROACTIVELY TO REDUCE MY CHANCES OF HAVING A TRAVEL LIABILITY INSURANCE CLAIM?

Have in contracts:

• Hold harmless/ disclaimer statements
• Limit liability
• Medical release form for treatment
• Vendors insurance – naming suppliers as additional insured
• Vendor selection process
• Hold activity provider harmless – indemnity provision