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Risk Insight

Real Estate, Risk Insight

The Invisible Dangers of a Winter Wonderland

Due to the increased risk of accidental slip-and-fall injuries that occur because of snow and ice along sidewalks, it is important for home and property owners to understand their responsibilities for the sidewalks adjacent to their properties.

While different states have varied laws regarding the time frame for how quickly snow and ice must be removed from the abutting sidewalks of any property, in New York City the laws are some of the least forgiving.

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Real Estate, Community Associations, Risk Insight

A Spooky but True Halloween Story

In honor of Halloween today, we’re re-sharing one of our claims that came in through our City Homes program a while ago.

On a cold, dark night in early November, snow and ice glazed the sidewalks up and down the block. Tired building owners shuffled out at first light to make sure their patches of sidewalk were cleared and salted. All but one, that is. Our insured, who we’ll call Mr. Smith, is the non-resident owner of small apartment building. He decided to sleep in that morning, confident that his son would shovel the sidewalk in his stead. Junior had been out all night and hadn’t woken up to shovel the walk. So when a young woman slipped on that very patch of snow, the only un-cleared area on the block, it didn’t take her lawyer very long to find Mr. Smith’s name and address, and serve him with her medical bills for her torn rotator cuff and spinal injuries.

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Real Estate, Hospitality & Restaurants, Community Associations, Risk Insight

Hurricane Harvey May Break Records for Flooding. Be Prepared.

Hurricane Harvey is the first major hurricane to hit Texas since 2008 (Hurricane Ike, category 2). It’s scheduled to make landfall on Saturday and expected to bring enough rain to overwhelm bayous and flood large swathes of land. Texas, particularly Houston, is flood-prone and no stranger to the many scenarios which may occur this weekend, but we have four tips to help you and your insureds in Texas make it through the weekend with slightly less panic.

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hoarding
Real Estate, Community Associations, Risk Insight

When the Hoarding Hits the Fan

Hoarding. It can manifest in a few different ways, but the bottom line is clear: It’s a serious problem that needs to be addressed. The hoarder isn’t the only one at risk here, so are adjacent neighbors, property owners, and community associations.

If a property owner or community association ignores a problem, they could be found liable for failing to take action and maintain a safe environment. If the situation leads to injury of person or damage of property, then the liability is even greater. With fair housing laws in effect, the process of managing a hoarding situation can drag on, so best to start as soon as you get a whiff of the problem.

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preventing legionella
Real Estate, Hospitality & Restaurants, Risk Insight

Managing Risk: Preventing Legionella

Updated July 6, 2017: Recent Cases Underscore Legionella Exposure

Since we originally wrote this article there have been several new cases of Legionella reported where people have died and fell ill. In June, one person died and six became ill in the Lenox Hill neighborhood in New York where investigators are looking into the air-conditioning system for contamination as the source of Legionnaires’ Disease. In another incident, two guests at the Las Vegas Rio All-Suite Hotel & Casino contracted Legionnaires’ disease while they were staying at the resort in the months of March and April. Both the hotel and the Southern Nevada Health District were charged with investigating the two cases, remediating the problem and reaching out to past and current guests. They found that Legionella existed throughout the hotel’s water system.

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foodborne illness
Hospitality & Restaurants, Risk Insight

Going to the Chapel, and We’re Gonna Get…. Sick?

Just imagine, you’ve been planning your wedding for months and after the big day finally comes you, your partner and dozens of guests fall ill, complaining of diarrhea, fatigue, nauseousness, sweating, and chills. That’s exactly what happened to a couple and their guests following their wedding reception, which was held at an Atlanta hotel. It was later uncovered through litigation that an outbreak of norovirus hit guests of at least three other events along with at least 40 hotel employees.

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playground safety
Real Estate, Hospitality & Restaurants, Community Associations, Risk Insight

Make Playground Safety A Priority

It’s that time of year again when the sound of children running around in playgrounds across our neighborhoods fills the air. It’s also a time for heighted precautions because as fun as a playground can be, it’s also a place where kids can get seriously injured.

More than 200,000 children ages 14 and younger are treated each year for playground-related injuries, according to the Centers for Disease Control and Prevention (CDC). Of these children, more than 20,000 are treated for a traumatic brain injury (TBI), including concussion. Additionally, about 56% of playground-related injuries are fractures and contusions/abrasions, and about 75% of injuries are related to playground equipment.

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hurricane
Real Estate, Hospitality & Restaurants, Community Associations, Risk Insight

Getting Storm-Ready Ahead of Hurricane Season

As the hurricane season – June 1 through November 30 – unfolds, safety preparations should already be underway by homeowners and coastal business owners, including hotels and restaurants. Forecasters at the National Oceanic and Atmospheric Administration (NOAA) say the Atlantic could see another above-normal hurricane season this year, predicting a 70% likelihood of 11 to 17 named storms (winds of 39 mph or higher), of which 5 to 9 could become hurricanes (winds of 74 mph or higher), including 2 to 4 major hurricanes (Category 3, 4 or 5; winds of 111 mph or higher). The Weather Company also predicts an active season, with an expectation of a total of 14 named storms – seven hurricanes and three major hurricanes.

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umbrella
Hospitality & Restaurants, Risk Insight

4 Lawsuits You Don’t Want at Your Hotel

A man walks into a Vegas hotel room. Sees a silhouette of a person in his darkened room. In a panic, he scrambles away, causing injuries to his body and mind. Bam. Lawsuit. The twist?

The “person” he saw was a mannequin, part of room decorations in a Planet Hollywood casino-hotel with 2,500 rooms. Here’s where umbrella coverage comes in to cover expenses above and beyond standard insurance limits for liability claims.

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