Marino Risk Advisors Hospitality and Resort Managment

Florida is one of the world’s top travel destinations, with tens of millions of visitors passing through the state on an average year. Those in the business of providing accommodation, food, and beverage services, as well as travel companies, face risks related to the safety of their staff, properties, and guests. Working with experienced advisors who understand the industry can help you mitigate those risks and protect your business and assets.

Marino Risk Advisors offers tailored services for hospitality and resort management, including:

• Property Insurance
• Workers’ Compensation
• General Liability Insurance
• Commercial Auto Insurance
• Liquor Liability

Unlike most businesses, hotels and resorts often include exotic properties such as historical landmarks, marinas, golf courses, or more. Marino Risk Advisors can you help assess your specific needs to make sure that your business is adequately protected. This includes protecting your resort against major events such as hurricanes, floods, or acts of terrorism.

We understand your staff is the face of your organization and is responsible for the day-to-day servicing of your customers. It is vital to make sure that your employees are taken care of when they need it most. As some jobs in hospitality and resort management business are physically demanding, you want to ensure that your staff receives the care and compensation they need to get back on their feet in case of illness or injury.

Visitors frequent resorts for the many recreative opportunities that they offer, from golfing to horseback riding. Despite best attempts at thorough risk mitigation and extensive safety features, the occasional injury or damage to property is simply unavoidable. Depending on the activities or unique features of your location, Marino Risk Advisors will help you the optimal coverage to protect and support your business from claims.

While some food and beverage providers may only a handful of delivery vans, larger resort-style accommodations may own a whole fleet of vehicles including golf carts, shuttle busses, utility vans, and ATVs. In both cases, it is advisable to seek a tailored solution that corresponds to your needs. This includes liability for guests, rental reimbursement, replacement, or medical expenses.

Any establishment serving alcoholic beverages to patrons inherently faces risks related to intoxicated behavior, such as fights, injuries, or property damage. While it is possible to mitigate this risk by adequately training your staff in responsible alcohol service, some incidents may be unavoidable. In these cases, a liquor liability policy will help protect your business, staff, and assets from losses that may ensue from the actions of intoxicated persons.

Connect with one of our risk advisors to learn more about how we can help you protect your business.