Risk Brief / Insurance awareness / Issue 04
Insurance awareness

When guest amenities change, does your coverage keep up?

A review prompt for bikes, spas, shuttles, events and every new experience added to the stay.

Amenities help define a boutique property, but every new experience can add equipment, contracts, transportation, guest interaction or responsibilities outside the traditional room stay.

Risk often changes between renewals. A small trial becomes a permanent offering, a vendor relationship evolves, or guests begin using an amenity differently than the property originally expected.

Treat every new amenity as an operating change.

Before launch, clarify who owns and operates the amenity, how guests participate, which contracts or waivers apply, who maintains the equipment and whether specialized training or credentials are required.

Questions to ask
  • Who owns and operates it?
  • Is participation included or charged?
  • What contracts or waivers apply?
  • Who inspects and maintains equipment?
  • Has the broker reviewed it before launch?

Follow the guest beyond the room.

Bicycles, shuttles, rooftop events, pools, spas and off-site excursions can extend the property’s responsibilities. Review where the activity begins and ends, who supervises it and which party responds when something goes wrong.

Build an amenity-change trigger.

Create a short sign-off before a new experience is marketed or offered. Operations, finance and the insurance advisor should see the same description, vendor agreement and launch date while there is still time to adjust the plan.

Manager checklist

A 30-minute guest-amenity inventory.

  1. 01List every amenity promoted to guests.
  2. 02Note who operates, maintains and supervises each one.
  3. 03Gather related vendor contracts and waivers.
  4. 04Flag changes that have not reached the insurance advisor.
Keep the conversation going

Discuss amenity changes with your UWIB advisor.