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Real estate is a business in which extraordinary judgment and skills are required to optimize the returns on investment. Timing is critical and the risks to long-term value creation are considerable.

The hotel and hospitality industry is not generally associated with major environmental risks.

However, loss trends demonstrate that the industry faces a number of environmental exposures and related liabilities that are typically excluded under General Liability and Property insurance programs.

For example, many brownfield sites are being redeveloped by the hotel, leisure and hospitality industry, and many of these sites have been contaminated as a result of past industrial uses.

The most pressing concern is the potential for bodily injury claims from hotel guests or retail tenants in a hotel or leisure facility.