Please help me to answer the 3 scenario?

Scenario1

Isabella Penrose, the GM, asked Ms. Sullivan, the guest in room 117, to explain what happened. "What exactly happened," stated Ms. Sullivan, "is that I found out your employees are thieves!" Ms. Sullivan then reported to Isabella that she had left her hotel room at 7:00 a.m. and, at that time, placed a valuable gold necklace, given to her by her grandmother, in her room on the nightstand near the bed. When she returned at 6:00 p.m. that same day, stated Ms. Sullivan, the necklace was gone. "What I want to know now," said Ms. Sullivan, "is what are you going to do about this!"

Assume that Isabella performs an electronic lock audit and finds that only one housekeeper (at 9:00 a.m.) and the inspectress (at 2:00 p.m.) were in the room between 7:00 a.m. and 5:00 p.m. that day.

Questions

1. If further investigation reveals the individuals identified had never been in a situation where there was a prior theft allegation, what would you advise Isabella to do?
2. What is the hotels responsibility as it relates to the guests' property.

Scenario2

Kendall is working at the front desk when a harried looking woman walks up and introduces herself as Lucinda Franklin from room 321. She places a key on the counter and says she needs to get into her safe-deposit box. Kendall pulls up the safe-deposit agreement and sees that the box is registered only to James Franklin. What would Kendall's best response to Mrs. Franklin be?

Questions

1. What should be the response of the front desk agent?

Scenario3

Ruth Ann, a general manager, wants to save as much money as possible on her property's insurance. While discussing liability coverage with her insurance agent, Ruth Ann decides not to purchase products liability coverage. "May I ask why?" her agent responds. "For one thing," Ruth Ann says, "the hotel does not produce a 'product.' I don't see any point in wasting money to protect something we don't do."

Questions

1. Why is Ruth Ann wrong about this perception.

Products liability pays for damage or injury caused by a product sold by the policyholder. It can also cover the fees that arise from legal action against the policyholder because of their product."If the hotel hosts catered meals here, you are producing a product: food. This coverage could help protect

the hotel from liability for an injury caused by a foreign object in a meal."

1. Name one implication of not getting such an insurance.
2. How would you advise her otherwise about this stance?

Sources: Security & Loss Prevention