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Insurance & Safety Requirements

Last Updated: October 2026

1. VILLA LISANNA INSURANCE COVERAGE

1.1 Property Insurance

Villa Lisanna maintains comprehensive property insurance covering:

• Building structure and physical property
• Built-in appliances and fixtures
• Property damage from specified perils

EXCLUDES: Damage caused by guest negligence, misuse, or intentional acts

1.2 Liability Insurance

Villa Lisanna maintains commercial liability insurance with limits of $1,000,000 per occurrence

Coverage includes: Bodily injury and property damage claims arising from property operations

EXCLUDES:

• Guest negligence or carelessness
• Violations of house rules
• Failure to follow safety instructions
• Unauthorized use of amenities
• Claims arising from guest's own actions

1.3 Cyber Liability Insurance

Villa Lisanna maintains cyber liability insurance covering:

• Data breach response and notification
• Regulatory defense costs
• Credit monitoring services if data compromised

2. GUEST INSURANCE REQUIREMENTS & RECOMMENDATIONS

2.1 Travel Insurance (HIGHLY RECOMMENDED)

Coverage Type	What It Covers	Est. Cost
Trip Cancellation	Refund if you must cancel for covered reason (illness, death, injury)	$100-300
Medical Emergency	Doctor visits, hospitalization, medical evacuation	Included in most plans
Emergency Evacuation	Air ambulance/helicopter evacuation if needed (CRITICAL on island)	$500,000+ coverage
Lost Baggage	Reimbursement for delayed/lost luggage	Usually $1,000-2,500

Recommended Providers: World Nomads, Travel Guard, Allianz, AXA Assistance

Cost Range: $50-200 depending on trip length and coverage level

2.2 Personal Property Insurance

• What: Covers theft/loss of personal belongings (phones, laptops, jewelry, cash)
• Why: Villa Lisanna NOT responsible for stolen/lost personal items
• Check: Your homeowner's or renter's insurance may cover off-premises theft
• Ask Insurance Agent: "Are my valuables covered while traveling?"

2.3 Health Insurance

CRITICAL for international/out-of-state guests:

• Verify your health insurance covers travel destination
• Confirm coverage in Florida (if traveling from out-of-state)
• Check if emergency services require provider authorization
• Nearest hospital: Lee Memorial Hospital (Ft. Myers), ~30 miles
• Trauma center: Tampa General Hospital, ~90 miles
• Emergency Response: Island helicopter evacuation may cost $5,000-15,000 if not insured

2.4 Accident/Injury Coverage

Consider supplemental accident insurance if:

• Planning water activities (swimming, kayaking, jet ski)
• Have pre-existing medical conditions
• Traveling with children
• Elderly guests with fall risk

3. WATER SAFETY & BEACH PROCEDURES

3.1 Beach & Water Hazards

Guests assume all risks associated with water activities including:

• Ocean currents and rip tides
• Underwater drop-offs and shifting sandbars
• Marine life (sharks, stingrays, jellyfish)
• Sun exposure and dehydration
• Limited lifeguard presence (property is private, unsupervised beach)

3.2 Mandatory Beach Safety Rules

• Never swim alone - use buddy system at all times
• Check weather - severe weather can create dangerous conditions
• Wear sunscreen - SPF 30+ reapplied every 2 hours
• Hydration: Drink water constantly in heat/sun
• Weak swimmers: Wear life jacket or stay in shallow water
• After sunset: NO BEACH ACCESS - water unsafe at night

3.3 Marine Life Safety

• Sharks: Rare but present - avoid murky water, don't corner fish
• Stingrays: Shuffle feet entering water to avoid stepping on them
• Jellyfish: Can sting even when washed ashore - wear protective clothing
• Sea Urchins: Do not walk barefoot on rocky areas
• If stung: Exit water immediately, rinse with vinegar, seek medical attention

4. JACUZZI/HOT TUB SAFETY

4.1 Health Risks

• Dehydration: Hot water causes rapid fluid loss - drink extra water
• Heat exhaustion: Limit soak time to 15-20 minutes
• Dizziness/fainting: Rise slowly from water (blood pressure drop)
• Bacterial infection: Water chlorinated but infections possible
• Pregnancy: Pregnant women should NOT use hot tubs (overheating risk to fetus)
• Heart conditions: Consult doctor before using hot tub

4.2 Mandatory Jacuzzi Rules

• Children: Max 15 minutes, supervised at all times, water temp max 102°F
• Adults: Max 20 minutes recommended
• Never alone: Always have buddy present
• Cleanliness: Shower before entering
• No guests under influence: No alcohol/drugs in/near jacuzzi
• Orientation required: Request management training on system operation

4.3 Medical Contraindications

Do NOT use hot tub if you have:

• Heart disease or heart attack history
• High blood pressure (unmedicated)
• Pregnancy
• Recent surgery
• Diabetes (monitor blood sugar)
• Currently ill or feverish
• Open wounds or skin infections

5. EMERGENCY PROCEDURES

5.1 Emergency Contacts

Emergency Type	Contact	Number
Fire/Medical Emergency	911 (call immediately)	911
Coast Guard Emergency	Coast Guard (for water emergencies)	VHF Channel 16
Property Emergency	Villa Lisanna 24/7	+1 941 800 0120
Non-Emergency Police	Charlotte County Sheriff	+1 941 639-0013
Nearest Hospital (ER)	Lee Memorial Hospital	+1 239 461-1000

5.2 Medical Emergency Response on Island

Important to understand: Property is on private island with limited immediate medical resources

• Response Time: 30-60 minutes for ambulance/paramedics (boat + transport)
• Helicopter Evacuation: If critical condition - may cost $5,000-15,000
• First Aid Kit: Available at property (see check-in materials)
• Nearest Clinic: Boca Grande ~20 miles
• Nearest Hospital: Lee Memorial Hospital ~30 miles

5.3 Weather Emergencies

In case of severe weather (hurricane, tropical storm):

• Monitor weather.gov and local emergency alerts
• Evacuation may be ordered by county
• Follow all official evacuation orders immediately
• Do NOT stay at property during major hurricane (mandatory evacuation zone)
• Contact management at +1 941 800 0120 if evacuation required

6. DATA SECURITY & PRIVACY

6.1 Payment Information Security

• All credit card payments processed through PCI-DSS compliant gateway
• Data encrypted with industry-standard encryption (AES-256)
• No credit card information stored on Villa Lisanna servers
• All transactions use HTTPS secure protocol

6.2 Personal Data Handling

• Data collected per Privacy Policy (villalisanna.com/privacy-policy.html)
• Data not shared with third parties without consent
• Data retained per legal requirements (see Privacy Policy)
• Guests have right to access/delete personal data (GDPR/CCPA compliant)

6.3 Data Breach Response Procedure

If data breach suspected:

• Notification: Affected parties notified within 30 days
• Remediation: Complimentary credit monitoring service provided
• Reporting: Breach reported to relevant authorities per law
• Cooperation: Full cooperation with law enforcement investigations

7. FAIR HOUSING COMPLIANCE

7.1 Non-Discrimination Policy

Villa Lisanna complies with Fair Housing Act and does not discriminate based on:

• Race or color
• National origin
• Religion
• Gender or gender identity
• Sexual orientation
• Disability
• Familial status (families with children)
• Age (except minimum age requirement of 25 for booking contact)

7.2 Disability Accommodations

Service Animals: Allowed at property (pets are not)

Accessibility Limitations: Property is NOT fully ADA compliant. Guests with mobility/accessibility needs should contact us BEFORE booking to discuss specific requirements.

Contact: reservations@villalisanna.com or +1 941 800 0120

8. RECOMMENDED PRE-ARRIVAL CHECKLIST

9. LIABILITY WAIVER ACKNOWLEDGMENT

By reading this document, guest acknowledges understanding of risks associated with property use.

Guest assumes all risks and releases Villa Lisanna from liability for injury, illness, property damage, or loss arising from:

• Use of water/beach amenities
• Medical emergencies
• Weather-related events
• Guest's own negligence or actions
• Third-party actions

10. QUESTIONS OR CONCERNS

• Safety Questions: reservations@villalisanna.com
• Emergency: +1 941 800 0120 (24/7)
• Medical Questions: Consult your physician before arrival

DISCLAIMER: This document is informational. It does not constitute medical or legal advice. Guest is responsible for reviewing all materials and consulting appropriate professionals (physician, insurance agent, attorney) before arrival.