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National Hotel Insurance Program Informant

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					    National Hotel Insurance
      Program Informant
        A Publication of RCI Insurance Group
                    April 2012
      621 N. Cherokee, Claremore, OK 74017 800-753-5797
    Fax: 877-341-6088 email: info@rci-insurance.com website: www.nhip.com

  Thoughts of Success:                                     FROM THE OFFICE OF MICK COTTOM:
                                                              Economy Downturn Means More EPL Claims
The goal as a company is to
have customer service that is                                         As if the past few years haven’t been challenging
not just the best but legendary.                             enough economically, we have seen an ever increasing num-
~Sam Walton                                                  ber of Employment Practice Liability Claims. EPL or EPLI,
                                                             as it’s commonly called, is the liability coverage that
Your most unhappy customers          protects you from various employment discrimination charges from employees and
are your greatest source of          former employees and 3rd Party Discrimination Claims.
learning. ~Bill Gates                          In the past few weeks I’ve discovered a couple of misconceptions about
                                     EPL coverage. At a recent meeting with other business leaders (not hoteliers), all
It is not the employer who pays      but one thought these claims would be covered by their regular commercial general
the wages. Employers only            liability insurance. These types of claims are definitely NOT covered; in fact they
handle the money. It is the          are specifically excluded from the general liability policy.
customer who pays the wages.                   A second misconception has to do with claims and claim reporting.
~Henry Ford                          Almost ALL policies have a strict reporting condition in the policy. The policy is
                                     actually a contract between you and the insurance company. The company, by
Spend a lot of time talking to       contract, agrees to do certain things on your behalf in the event of a claim.
customers face to face. You’d                  In the same way, you agree to do certain things in the event of a claim.
be amazed how many                   These conditions and requirements are listed in the policy. Each company and
companies don’t listen to their      policy may vary slightly in what they require so it is important to be familiar with
customers. ~Ross Perot               your policy conditions and procedures should a claim occur.
                                               We have had some questions on what constitutes a claim. Should you
If you do build a great experi-      report a potential claim when you get that nice letter from the EEOC or a request
ence, customers tell each other      from the US Department of Justice to respond to a complaint?
about that. Word of mouth is                   Maybe you know the claim is unfounded and you answer the request with-
very powerful. ~Jeff Bezos           out notifying the company. You hear no more from the DOJ, Civil Rights
                                     commission, but a year later you get served a summons for civil action against
The customer experience is the       your hotel.
next competitive battleground.                 If you did not notify the company when you got the initial DOJ request/
~Jerry Gregoire                      complaint, the company can deny your claim for failure to report in a timely
                                     manner.
Quality in a service or product is             Be safe, report all claims as soon as you have knowledge of a potential
not what you put into it. It is      claim. It’s better to be safe than sorry in our litigious society.
what the client or customer gets               If by chance, you have not purchased EPL coverage, please give our office
out of it. ~Peter Drucker            a call at 800-753-5797 and we’ll be happy to visit with you about this very
                                     important protection. Go to our web-site www.rci-ins.com for a more complete
Customers don’t expect you to        description of types of losses covered.
be perfect. They do expect you
to fix things when they go           Regards,
wrong. ~Donald Porter                Mick Cottom
Umbrellas are not just                        Here is a sample of a policy language explaining what a
                                                                    claim means.
  for rainy days
            By: Kylie Proffitt
                                                    B. Claim means:
If you're a small business owner, you
                                                            1. a written demand for monetary or non-monetary relief;
may already have some type of general
liability insurance coverage and auto                       2. a judicial or civil proceeding commenced by the service of a
liability insurance coverage. How-                             complaint or similar pleading;
ever, there may be instances where the
limits of your general liability policy                     3. a criminal proceeding commenced by a return of an
may not provide you with enough                                indictment;
protection. For example, the limits of
your general liability insurance policy                     4. a formal administrative or regulatory proceeding commenced
may not be able to cover a large judg-                         by the filing of a notice of charges, formal investigation order
ment against you or your business.                             or similar document, including, but not limited to, proceedings
                                                               before the Equal Employment Opportunity Commission or any
You've likely put a lot of hard work
                                                               similar governmental agency;
and hours into growing your business,
commercial umbrella insurance                               5. an arbitration or mediation or other to participate in such pro-
provides you and your business with                            ceeding or if the Insured agrees to participate in such proceed-
additional liability coverage and                              ing, with the Underwriter’s written consent, such consent not
protection.                                                    to be unreasonably withheld;
In just about every business, mistakes,
errors, and accidents occur (even with                      6. solely with respect to Part 3 (Fiduciary Liability Insurance), a
the best intentions). A commercial                             written notice of commencement of an investigation by the
umbrella policy provides you with                              Department of Labor or the Pension benefit Guaranty
                                                               Corporation;
coverage in excess of the liability lim-
its of your general insurance policy,                          against an Insured for a Wrongful Act, including any appeal
and in certain cases broadens your                             therefrom; or
general policy.       The purpose of
commercial umbrella insurance is not                        7. a written request received by an Insured to toll or waive a
only to provide protection over and                            statute of limitations, relating to a potential Claim as described
above your general liability limits, but                       above.
also fill in the gaps of missing cover-
age in your primary policy.                                 However, Claim shall not include a labor or grievance proceeding
The rising cost of lawsuits is a reality                    pursuant to a collective bargaining agreement.
that the small business owner must                          A claim shall be considered made when an Insured first receives
consider. The time, effort, and money                       notice of the Claim.
you put into developing your business
is too important to vanish because of
just one unforeseen event.
                                           Liability Insurance
                                           By: Leigh Wheless
                                           Depending on the degree of harm and the number of people injured and/
                                           or value of property damaged, a lawsuit could bankrupt your business.
                                           Even if your organization is ultimately cleared of any wrongdoing, a
                                           determined plaintiff can keep you tied up in legal proceedings for a long
                                           time, entailing significant cost to defend yourself. Liability insurance pays
                                           the cost of your defense and protects your assets. Everyone in society
                                           has a duty to take reasonable care that his or her actions do not injure
                                           others. The same rule applies to business entities. Not repairing a pot-
                                           hole in a parking lot, not lighting a dark stairway, failing to train workers
                                           how to do their jobs safely and legally or failing to provide directions for
                                           the safe use of a product can constitute negligence if a client, customer
                                           or member of the general public is injured as a result. The legal meaning
                                           of negligence is failure to exercise reasonable care.
     So Many Job                                               The Ant Philosophy
   Resumes, So Little                                                      By: Chet Cottom

        Time!                                I think everybody should study ants. They have an amazing four-part philoso-
             Karen Phillips                 phy, and here is the first part: ants never quit. That's a good philosophy. If
                                            they're headed somewhere and you try to stop them, they'll look for another
So what’s the fastest way to get a way. They'll climb over, they'll climb under, they'll climb around. They keep
clear picture of who’s really staring looking for another way. What a neat philosophy, to never quit looking for a
back at you during the interview? way to get where you're supposed to go.
Consider using behavioral assess-
ments. These valuable, insightful hir- Second, ants think winter all summer. That's an important perspective. You
ing tools can save time as well as the can't be so naive as to think summer will last forever. So ants gather their
expense and frustration that come winter food in the middle of summer.
when the wrong person is brought
onto the job.                               An ancient story says, "Don't build your house on the sand in the summer."
                                            Why do we need that advice? Because it is important to think ahead. In the
Designed to quickly and accurately summer, you've got to think storm. You've got to think rocks as you enjoy the
alert employers to a prospective new sand and sun.
hire’s typical traits, abilities, strengths
and weaknesses, these screening The third part of the ant philosophy is that ants think summer all winter. That
devices also gauge a candidate’s is so important. During the winter, ants remind themselves, "This won't last
probable fit with:                          long; we'll soon be out of here." And the first warm day, the ants are out. If it
 the job                                   turns cold again, they'll dive back down, but then they come out the first warm
 existing team members                     day. They can't wait to get out.
 management’s leadership style
 policies of the work culture              And here's the last part of the ant philosophy. How much will an ant gather
                                            during the summer to prepare for the winter? All he possibly can. What an
People can be so good at the incredible philosophy, the "all-you-possibly-can" philosophy.
interview and so nightmarish at the
job.                                        Wow, what a great philosophy to have—the ant philosophy. Never give up,
                                            look ahead, stay positive and do all you can.


Our Character word for March was Compassion.

Compassion is investing whatever is necessary to heal the hurts of others.

                                               Compassion in Balance

Give Humbly
Humility is “acknowledging that achievement results from the investment of others in my life.” We live life
together, and we all experience pain and need. Condescension and self-congratulation are not compassion.
Look for ways to comfort others with the comfort you have received.

Act Responsibly
Responsibility is “knowing and doing what is expected of me.” Responsibility helps focus your compassion.
You cannot meet every need, and you should not neglect your family or enable bad habits. Indeed, those for
whom you have most direct responsibility stand most in need of your compassion. Recognize your primary
responsibilities so that you can set appropriate priorities.

Care Sincerely
Sincerity is “eagerness to do what is right with transparent motives.” Some think compassion consists of
donating to a charity or throwing spare change into a bucket. A person of genuine compassion finds ways to
invest directly in others’ lives. Take a personal interest in those around you. Invest your time, money, and
energy to meet true needs.
RCI Insurance Group
P. O. Box 1185
Claremore, OK 74018
918-341-6081\ Toll Free: 800- 753-5797
Email: info@rci-ins.com




                         FREE Gas with EVERY Referral!!
 RCI has an all NEW 2012 Referral Rewards Program. Starting in January 2012, we’ve made some
  changes to our referral program. A referral is the highest compliment you can give us… and to
    show our appreciation, we’re increasing what is given back to YOU and the Community!

 Not only will you receive a FREE $15 gas card, but a $5 donation will be made to a non-profit we
   support, the William Barnes Children’s Advocacy Center. PLUS, each quarter we will have a
                      drawing for either a Kindle Fire OR a 32” Flat Screen T.V.
                                         Come join the club!!


        Thank you! Thank you! Thank you! Thank you!



 I have been working with the good folks at RCI Insurance since 2003 and they have catered to
 our every need. From the timely renewal options, service, attention to detail, and claims support
 we have always been pleased with the firm. We will continue our affiliation with RCI well into the
 future. ~ Paresh Patel - S&N Hospitality, Kansas City KS

				
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