Occupier’s Liability is a high concern. Are adequate exits available? Are stairways, railings, elevators, and floor coverings in good condition, meeting all life safety regulations and concerns? How good is the overall care and maintenance of the premises? Are rooms re-keyed after each use? Are master keys kept secure and accounted for at all times? What services and recreational facilities are offered to patrons? Some of the most frequent areas to evaluate are exercise rooms, swimming pools, laundry facilities, gift shops, barber, beauty and other personal services. Each will have its own set of exposures to review.