Breaking the Invisible Chains With Policy: How Insurance Companies Can Help End Human Trafficking in the Hotel Industry

IF 3.4 4区 管理学 Q1 HOSPITALITY, LEISURE, SPORT & TOURISM Cornell Hospitality Quarterly Pub Date : 2023-11-10 DOI:10.1177/19389655231209698
John Ludlow, Alexandros Paraskevas
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Abstract

Human trafficking in the hotel industry represents a hidden threat that demands decisive action. Despite public commitments, the sector’s initiatives remain inconsistent, and a wave of lawsuits imposes both financial and reputational risks. Through analysis of relevant legislation and case law, the article demonstrates hotels’ potential liability as venues enabling trafficking. However, inconsistent self-regulation and lawsuits reveal limited progress. The authors advocate for insurance companies to play a pivotal role in combatting human trafficking in the hotel industry by strategically adjusting coverage provisions. They trace the historical influence of insurers on the trajectory of slavery when 18th-century British insurers’ actions contributed to the rise of abolitionism and argue that similar private regulation today can incentivize hotels’ proactive measures against trafficking. The article proposes that insurers possess diverse tools, including exclusions, premium adjustments, auditing, and loss prevention, to compel action rather than complacency. Mandated self-insured retentions can also hold hotels financially accountable for their negligence. However, relying solely on pricing alterations faces challenges due to market competition and inconsistent judicial rulings on liability exclusions. Ultimately, addressing this complex issue requires a collaborative, multi-stakeholder approach. Government fines and prosecutions can further incentivize self-disclosure and cooperation, while publicized settlements can promote transparency and empower consumers to make informed choices for hotel venues. This combined framework can transition hotels from passive enablers to active contributors in the fight against human trafficking, fulfilling their duty of care and catalyzing meaningful progress against human exploitation.
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用政策打破无形的链条:保险公司如何帮助结束酒店行业的人口贩卖
酒店业的人口贩卖是一个潜在的威胁,需要采取果断行动。尽管有公开承诺,但该行业的举措仍然不一致,一波又一波的诉讼带来了财务和声誉风险。本文通过对相关立法和判例法的分析,论证了酒店作为拐卖场所的潜在责任。然而,不一致的自律和诉讼表明,进展有限。作者主张保险公司通过战略性地调整保险条款,在打击酒店业人口贩运方面发挥关键作用。他们追溯了保险公司对奴隶制发展轨迹的历史影响,18世纪英国保险公司的行为促成了废奴主义的兴起,并认为今天类似的私人监管可以激励酒店采取主动措施打击贩运。文章提出,保险公司拥有多种工具,包括排除、保费调整、审计和损失预防,以迫使采取行动,而不是自满。强制自保也可以让酒店为自己的疏忽承担经济责任。然而,由于市场竞争和不一致的司法责任排除裁决,仅仅依靠价格变化面临挑战。归根结底,解决这一复杂问题需要多方合作。政府的罚款和起诉可以进一步激励自我披露和合作,而公开的和解可以提高透明度,并使消费者能够在知情的情况下选择酒店场所。这一综合框架可以将酒店从打击人口贩运的被动推动者转变为积极的贡献者,履行其照顾义务并促进打击人口剥削的有意义进展。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
CiteScore
8.50
自引率
2.90%
发文量
17
期刊介绍: Cornell Hospitality Quarterly (CQ) publishes research in all business disciplines that contribute to management practice in the hospitality and tourism industries. Like the hospitality industry itself, the editorial content of CQ is broad, including topics in strategic management, consumer behavior, marketing, financial management, real-estate, accounting, operations management, planning and design, human resources management, applied economics, information technology, international development, communications, travel and tourism, and more general management. The audience is academics, hospitality managers, developers, consultants, investors, and students.
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