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7 TYPES OF INSURANCE YOU NEED TO PROTECT YOUR BUSINESS

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From the day an entrepreneur starts a business, he exposes himself to certain risks. Even before the first employee is hired, a business is at risk, making it important to have the right insurance in place. One lawsuit or catastrophic event could be enough to wipe out a small business before it even has a chance to get off the ground.</div>
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Fortunately, businesses have access to a wide range of insurance types to protect them against these dangers. Here are some insurance types that a business must have in place as soon as possible.</div>
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1. PROFESSIONAL LIABILITY INSURANCE.</h2>
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Professional liability insurance, also known as errors and omissions (E&O) insurance, covers a business against negligence claims due to harm that results from mistakes or failure to perform. There is no one-size-fits-all policy for professional liability insurance. Each industry has its own set of concerns that will be addressed in a customized policy written for a business.</div>
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2. PROPERTY INSURANCE.</h2>
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Whether a business owns or leases its space, property insurance is a must. This insurance covers equipment, signage, inventory and furniture in the event of a fire, storm or theft. However, mass-destruction events like floods and earthquakes are generally not covered under standard property insurance policies. If your area is prone to these issues, check with your insurer to price a separate policy.</div>
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3. WORKERS’ COMPENSATION INSURANCE.</h2>
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Once the first employee has been hired, workers’ compensation insurance should be added to a business’s insurance policy. This will cover medical treatment, disability and death benefits in the event an employee is injured or dies as a result of his work with that business. Even if employees are performing seemingly low-risk work, slip-and-fall injuries or medical conditions such as carpal tunnel syndrome could result in a pricey claim.</div>
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4. HOME-BASED BUSINESSES.</h2>
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Many professionals begin their small businesses in their own homes. Unfortunately, homeowner’s policies don’t cover home-based businesses in the way commercial property insurance does. If you’re operating your business out of your home, ask your insurer for additional insurance to cover your equipment and inventory in the event of a problem.</div>
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5. PRODUCT LIABILITY INSURANCE.</h2>
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If your business manufactures products for sale on the general market, product liability insurance is a must. Even a business that takes every measure possible to make sure its products are safe can find itself named in a lawsuit due to damages caused by one of its products. Product liability insurance works to protect a business in such a case, with coverage available to be tailored specifically to a specific type of product.</div>
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6. VEHICLE INSURANCE.</h2>
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If company vehicles will be used, those vehicles should be fully insured to protect businesses against liability if an accident should occur. At the very least, businesses should insure against third-party injury, but comprehensive insurance will cover that vehicle in an accident, as well. If employees are using their own cars for business, their own personal insurance will cover them in the event of an accident. One major exception to this is if they are delivering goods or services for a fee. This includes delivery personnel.</div>
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<b style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">7. BUSINESS INTERRUPTION INSURANCE.</b></h2>
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If a disaster or catastrophic event does occur, a business’s operations will likely be interrupted. During this time, your business will suffer from lost income due to your staff’s inability to work in the office, manufacture products or make sales calls. This type of insurance is especially applicable to companies that require a physical location to do business, such as retail stores. Business interruption insurance compensates a business for its lost income during these events.</div>
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By having the right insurance in place, a business can avoid a major financial loss due to a lawsuit or catastrophic event. Check with your insurer to find out what forms of insurance are advised for </div>
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7 TYPES OF INSURANCE YOU NEED TO PROTECT YOUR BUSINESS

Image credit: Pixabay From the day an entrepreneur starts a business, he exposes himself to certain risks. Even before the first ...

INVESTORS ARE POISED TO DISRUPT THE TECH-AVERSE INSURANCE INDUSTRY

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Investors have set their sights on insurance tech. Ripe for disruption, this antiquated industry has a large and confusing domain known for its poor customer satisfaction and, in this age of swipes and clicks, limited technological innovation.<br />
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A much-needed leap into the 21st century could change this.</div>
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A serious shift in insurance is possible as investors examine the potential value of insurance tech, currently a weaker component of the industry. Since 2010, investors have funneled an estimated $2.12 billiontoward this prospect. Of those funds, more than half rolled in during the last two years, with $556.5 million coming in 2014 and $831.5 million in 2015 — and we’re not even talking a full year here; that’s just from January to May.</div>
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But investor interest is also coming from a broader economic shift taking place. Take the freelance industry, for instance: According to a 2015 survey, more than 53 million Americans reportedly freelance in some capacity. “Uberized” labor also continues to swell, with highly skilled services a click away. Priming that proverbial pump even further is the Affordable Care Act, which has essentially created a new marketplace.</div>
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DEMYSTIFY AND CAPITALIZE.</h2>
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With all of these changes, there’s an opportunity to innovate across several facets of the insurance industry.</div>
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Consider PolicyGenius, one of my firm’s portfolio companies. The startup is trying to improve the insurance experience for both the consumer and the insurer. By offering its patented “Insurance Checkup,” users can quickly and easily gather information on respective policies. As an aggregated system, its pricing options are available in one place, preventing users from bouncing from one site to the next.</div>
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As a full-fledged marketplace, PolicyGenius also offers a wide variety of potential insurers. Thus, insurers gain access to customers who wouldn’t likely be prospects without this platform. Further, the marketplace provides a personalized and direct approach to supply and demand.</div>
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In fact, the platform’s customer base is more diverse than you’d expect for a tech startup. While 50 percent of users are millennials (who are not only more open to adopting tech, but who are also projected to make up the largest generational segment in the U.S. this year), nearly 20 percent of the company’s users are Baby Boomers.</div>
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If you’re able to demystify the insurance process — or even create a better insurance experience — you open yourself up to a huge audience, hungry for someone to make sense of it all.</div>
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Moving forward, entrepreneurs and venture capitalists alike should pay special attention to a few particular areas:</div>
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1. TOOLS FOR RISK ASSESSMENT.</h2>
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As the industry moves toward insuring connected homes, vehicles and wearables, insurance companies need to rethink their processes for risk assessment and underwriting. A significant opportunity exists to create new data and risk mitigation tools.</div>
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2. IMPROVEMENTS IN EFFICIENCY AND EXPERIENCE.</h2>
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Believe it or not, the industry still largely relies on fax machines to transfer information. If it’s not done by fax, then it’s done by email. Like the industry itself, this communication is outdated. The next logical step is to move data management, billing, claims and communication to smartphones.</div>
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3. MERGERS AND ACQUISITIONS ACTIVITIES.</h2>
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As traditional insurance companies become increasingly aware of the shift — while simultaneously losing ground — it’s likely you’ll see an increase in merger and acquisition activities. Large insurers will strategically gobble up insurance tech startups, which will drive more venture capital investments into the space.</div>
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Companies in other industries continue to drive changes in consumer behavior, whether that means paying for services, managing client money, investing in markets or simply deciding which products to purchase. Inevitably, this change in behavior will directly impact the insurance industry. There’s a clear opportunity for both entrepreneurs and VCs. All it takes is a willingness to take advantage of uncharted waters.</div>
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INVESTORS ARE POISED TO DISRUPT THE TECH-AVERSE INSURANCE INDUSTRY

Image credit: Eeekster | Wikimedia Commons Investors have set their sights on insurance tech. Ripe for disruption, this antiquat...

IS LIFE INSURANCE A GOOD INVESTMENT?

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Is purchasing a life insurance policy a good idea for you? The short answer is it depends on your situation. Let’s begin by understanding what life insurance is.</div>
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In its simplest form, you pay premiums to the life insurance company and it pays money to your estate or your beneficiary upon your death. But let’s be clear: On average, your estate would be worth more, if, rather than buying life insurance you wisely invested the money you would have spent on premiums. If this were not true, the insurance companies would be bankrupt and they most assuredly are not. Indeed, life insurance policies are very profitable for the companies.<br />
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Think about it. The insurance company takes your premiums and invests them. Assuming you live to a normal life expectancy, the insurance company will have X number of dollars at the time of your death. Had you taken the premiums and invested them, your estate would have the same X number of dollars upon your death (assuming you invest as well as the insurance company).</div>
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If you invest the premiums, your estate gets to keep all of the X dollars. However, the insurance company cannot pay your estate all of the X dollars.</div>
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It first has to pay all of its operating expenses — the salaries of its executives, back office and administrative personnel; the rent on its big office buildings; the cost of its salesforce; etc. After that, the company has to make a profit for its shareholders.</div>
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The company can only afford to pay your estate a number that is less than X — considerably less. For the company to remain solvent, the amount it pays your estate will be equal to X minus a pro rata share of the company’s costs and profit.</div>
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Assuming you achieve your full life expectancy and invest as well as the insurance company, your estate will be worth more if you invest the premiums rather than turning them over to the insurance company. Therefore, on average, life insurance is a bad deal — it has to be.</div>
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Obviously, if you die sooner, the purchase of a life insurance policy is a better deal for your estate. Conversely, if you live longer, the purchase of life insurance is a worse deal for your estate. But on average, your estate will have more assets if you invested the premiums rather than giving them to the insurance company. On average, life insurance is a losing propositon.</div>
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So why should you ever sign up for a losing proposition? The answer is that you shouldn’t unless there is some financial obligation that will remain after your early death that you would have been able to fulfill had you lived to your normal life expectancy. If you are willing to pay a premium to protect your heirs from this unfortunate possibility, life insurance may be a good investment.</div>
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Let’s consider a couple of examples. You have just graduated from college. You are marrying the most wonderful person in the world. He or she is a classmate who already has a job offer. You have been accepted to a graduate school in the same town where your future spouse’s job will be. As a full-time student, you will not be working.</div>
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Many would say, “You’re getting married, you need life insurance.” We would argue you don’t. You have no income, but you do represent an expense to the family — you eat. You are a net financial drag on the family. It may sound harsh, but the truth is if, God forbid, you died, your spouse would actually be better off financially. Therefore, a life insurance policy on you is unnecessary at this time.</div>
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Fast forward a few years. You have completed your education. You are expecting your first child. Your spouse is planning to stay at home to take care of your offspring. You have a good job and will be the sole source of income for your young family. We would agree that, at this point, life insurance for you would be very appropriate. If you were to die, you would want your family to be protected from what might otherwise be significant financial hardship.</div>
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Is life insurance appropriate for you? It all depends. If your early demise would create a significant financial hardship for your heirs, life insurance may make sense. However, even in these situations, understand that you are paying for this protection. If you live to your full life expectancy, your heirs would have been better off if you had invested the money you might have paid in premiums.</div>
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IS LIFE INSURANCE A GOOD INVESTMENT?

Image credit: Shutterstock.com Is purchasing a life insurance policy a good idea for you? The short answer is it depends on your situa...

10 BEST LUXE HOTELS NEAR THE GRAND CANYON

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<b style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Whether you’re planning a day trip or a week-long stay at Grand Canyon National Park, these luxe hotels are perfect places to come home to after exploring the Grand Canyon’s natural beauty — and they’re all within easy driving distance of the park. Check out our top 10 favorite luxury hotels within a reasonable drive of the Grand Canyon.</b></div>
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MONTELUCIA RESORT & SPA, SCOTTSDALE</h5>
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Oyster.com</div>
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This Spanish-villa-style property with great views of Camelback Mountain is one of Scottsdale’s most luxurious desert retreats. The grounds feature pretty, floral-lined walkways and arched entrances, and the sophisticated rooms have lots of Spanish-inspired details, including dark woods and big mirrors.</div>
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L’AUBERGE DE SEDONA</h5>
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Oyster.com</div>
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L’Auberge de Sedona has one of the most stunning natural settings not just in the Southwest, but in the entire country, with the picturesque Oak Creek running underneath shady trees, and Sedona’s soaring red rocks suspended in the background. The guest rooms and woodsy cottages are spread across 11 acres, allowing guests plenty of privacy, and most come with fireplaces and private decks. It’s a premier destination for a romantic getaway or a corporate retreat.</div>
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THE MIRAGE HOTEL AND CASINO, LAS VEGAS</h5>
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<img alt="grand-canyon-resorts-mirage" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2013/05/06/00/grand-canyon-resorts-mirage.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="grand-canyon-resorts-mirage" width="616" /><br />
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Oyster.com</div>
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An elder statesman among the Strip’s mega-resorts, the 3,000-plus-room Mirage relies less on theatrics (and a booze-fueled party scene) for its appeal and puts more of an emphasis on comfortable, well-designed rooms, as well as an enormous pool, diverse dining options and attentive service. Numerous on-site attractions are aimed at a multigenerational clientele.</div>
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WESTIN PHOENIX DOWNTOWN</h5>
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<img alt="grand-canyon-resorts-westin-phoenix" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2013/05/06/92/grand-canyon-resorts-westin-phoenix.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="grand-canyon-resorts-westin-phoenix" width="616" /><br />
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Oyster.com</div>
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This Westin high-rise is luxurious and business-friendly, plus it offers great views of Phoenix through floor-to-ceiling windows. The large rooms are sleek and modern and appear bigger than they actually are thanks to 10-foot-high ceilings.</div>
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THE PHOENICIAN, SCOTTSDALE</h5>
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<img alt="grand-canyon-resorts-phoenician" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2013/05/06/d7/grand-canyon-resorts-phoenician.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="grand-canyon-resorts-phoenician" width="616" /><br />
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Oyster.com</div>
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This 250-acre Starwood resort and conference center is a luxury property ideally situated on the edge of Camelback Mountain in Phoenix’s Sonoran Desert. The massive property makes a striking first impression, with its lush green landscaping, waterfalls, koi ponds and palms set against a rugged backdrop. Meanwhile, communal interiors have an old-world-luxury appeal, with marble floors and chandeliers. For activities, there is a USGA 27-hole golf course and pro shop, 11 tennis courts with various surfaces and a winding cactus garden for beautiful sunrise walks.</div>
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SEDONA ROUGE HOTEL AND SPA</h5>
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<img alt="grand-canyon-resorts-sedona-rouge" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2013/05/06/a9/grand-canyon-resorts-sedona-rouge.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="grand-canyon-resorts-sedona-rouge" width="616" /><br />
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Oyster.com</div>
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This upper-middle-range boutique hotel in uptown Sedona has stylish, contemporary rooms with up-to-date technology. Some rooms overlook Sedona’s red rocks, and while the tiny balconies don’t allow for outside seating, the view will more than make up for it. The Rouge also boasts a lovely spa, a heated outdoor pool and daily yoga classes.</div>
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JW MARRIOTT DESERT RIDGE RESORT & SPA, PHOENIX</h5>
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<img alt="grand-canyon-resorts-jw-marriott-desert-ridge" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2013/05/06/eb/grand-canyon-resorts-jw-marriott-desert-ridge.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="grand-canyon-resorts-jw-marriott-desert-ridge" width="616" /><br />
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Oyster.com</div>
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This 869-room mega-resort north of Phoenix, which includes 2 18-hole golf courses, is so massive that even the street is named after it — Marriott Drive. The resort mostly attracts families who keep busy with an unending list of activities, as well as large conference groups gathering in one of the ballrooms. The fitness center is small, but it does come with floor-to-ceiling windows, or guests can make use of the 4.2-mile jogging course around the property perimeter. One of the highlights is the 1,600-foot lazy river pool for relaxing inner-tube rides along the beautiful grounds.</div>
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THE COSMOPOLITAN OF LAS VEGAS</h5>
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Oyster.com</div>
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After roaring back from the brink of death after its construction was stalled for years, the Cosmopolitan quickly established itself as one of the trendier spots on the Strip. The typical Vegas kitsch has been swapped out for aggressively modern design and futuristic touches (guests sign in on an iPad). Fanfare aside, rooms are large and feature comfortable designer furnishings and modern, spacious bathrooms. All types of travelers flock here, from frat boys to gambling grandmothers, but the nights decidedly belong to the younger crowd, with popular clubs and a lively pool scene.</div>
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THE FOUR SEASONS AT TROON NORTH, SCOTTSDALE</h5>
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Oyster.com</div>
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The Four Seasons is one of the top luxury resorts in Scottsdale, AZ, with a gorgeous bilevel pool, an intimate setting in the Sonoran Desert and beautiful grounds that blend with the surrounding landscape (expect tall cacti, flowering shrubs and natural stone formations). The property consists of a cluster of low, adobe-style buildings; the 210 rooms and suites are housed in 25 casitas, giving the Four Seasons the feel of a small village.</div>
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SANCTUARY CAMELBACK MOUNTAIN RESORT, SCOTTSDALE</h5>
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<img alt="grand-canyon-resorts-sanctuary-on-camelback" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2013/05/06/85/grand-canyon-resorts-sanctuary-on-camelback.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="grand-canyon-resorts-sanctuary-on-camelback" width="616" /><br />
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Picasa</div>
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Considered one of the top resorts in the Southwest for nearly a decade (it has been ranked the No. 1 resort in the US by <i style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Conde Nast Traveler</i>’s Readers’ Choice Awards), the serene yet scenic Sanctuary continues to impress its high-profile guests with its cuisine, spa and gorgeous suites. The resort undeniably has the most desirable location in Scottsdale, AZ, overlooking the Praying Monk rock and the Sonoran Desert, rather than suburban sprawl.</div>
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10 BEST LUXE HOTELS NEAR THE GRAND CANYON

Whether you’re planning a day trip or a week-long stay at Grand Canyon National Park, these luxe hotels are perfect places to come...

TOP 5 NEW HOTELS IN VEGAS

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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHGbns1hpELcFV49xLzXr4FijWRMBC0yIvPaZoiuHuMxnJgdNWwV8PazB0RN6keBffka3pFbCkSjuzFjpQJJ6mM0XryL_lesDT0M2EhiqXKCwEk8Fl4rkFIW-Arkm-0di424QpZhx1WMTq/s1600/the-d-las-vegas-casino.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="450" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHGbns1hpELcFV49xLzXr4FijWRMBC0yIvPaZoiuHuMxnJgdNWwV8PazB0RN6keBffka3pFbCkSjuzFjpQJJ6mM0XryL_lesDT0M2EhiqXKCwEk8Fl4rkFIW-Arkm-0di424QpZhx1WMTq/s640/the-d-las-vegas-casino.jpg" width="640" /></a></div>
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<b style="border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Particularly in Las Vegas, where the party starts well before sundown and lasts far past dawn, travelers need a place to lay their weary heads. Sin City certainly doesn’t suffer a shortage of places to stay, but there are a few newcomers that are leaving an impression as deep as the tried-and-true, old-time resorts. Pack your bags, and don’t forget the hangover sunglasses; we’re taking you to the top 5 new hotels in Vegas.</b></div>
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THE D LAS VEGAS</h5>
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<img alt="new-vegas-hotels-d-casino" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2012/11/05/71/new-vegas-hotels-d-casino.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="new-vegas-hotels-d-casino" width="616" /></div>
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Who says you can’t teach an old casino new tricks? Las Vegas’s newest casino hotel, The D Las Vegas, is housed in the former Fitzgerald Casino building, a 1970s relic that’s been revamped from top-to-bottom with a $15 million makeover. The D Las Vegas Casino Hotel debuted in the city’s downtown section with a bang in fall 2012 — people were giddy over a hotel with upscale and hip decor, and lower prices than its nearby luxury competitors. In a nod to the old-school Vegas Rat Pack, The D features vintage slot machines (imagine … pulling a lever, not pressing a button!) and daily live entertainment to the delight of its guests. The hotel’s 638 rooms feature a chic decor, excellent views and high-end amenities like pillow-top mattresses, flat screen TVs and Wi-Fi. The 2-storey casino also features standard game tables, and not-so-standard “Dancing Dealers,” a staff, go-go dancing card dealers. Belly up to 1 of 3 on-site bars, or grab a bite at any of the 3 restaurants, like American Coney Island, which serves beach boardwalk classics like hot dogs with chili. Should you want to hit the nightlife on Fremont Street, The D is conveniently located directly above the action.</div>
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COSMOPOLITAN OF LAS VEGAS</h5>
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<img alt="new-vegas-hotels-cosmopolitan" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2012/11/02/91/new-vegas-hotels-cosmopolitan.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="new-vegas-hotels-cosmopolitan" width="616" /></div>
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The Cosmopolitan of Las Vegas</div>
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In Vegas, the word “Cosmopolitan” won’t immediately trigger thoughts of the pink cocktail made popular by the City, but rather visions of the dual towers of the super luxe hotel casino Cosmopolitan of Las Vegas. The Cosmopolitan opened in December 2010, and may well be the last mega-resort and casino to open on the Strip for the foreseeable future, due to the global economic crisis, which has struck Vegas particularly hard. The hotel is epic; bigger and bolder concepts are the name of the game at this gigantic resort casino.</div>
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Get blown away by the 3-storey chandelier with a multi-level bar tucked inside, and gaze in awe at the video panels lining the lobby’s columns. Or muster up an appetite at the 3 pools or spa, and work your way through the hotel’s dozen-plus restaurants, many owned by celebrity chefs and restaurateurs, such Eric Bromberg’s Blue Ribbon and José Andrés’s China Poblano. Finally, when it comes time to gamble, the Cosmopolitan won’t disappoint. The 100,000-square-foot casino overlooks the Strip, and visitors should take notice of the incredible details put into the Cosmopolitan’s design, like old-school cigarette machines doling out packs of “art” rather than cigarettes.</div>
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ARIA</h5>
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<img alt="new-vegas-hotels-aria" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2012/11/02/1a/new-vegas-hotels-aria.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="new-vegas-hotels-aria" width="616" /></div>
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MGM Resorts International</div>
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When the $8.5 billion CityCenter opened on the Vegas Strip in late 2009, the Aria was its centerpiece: a towering 61-storey, 4,004-room hotel and casino with a convention center, spa, pools and more than a dozen restaurants on the premises. The modern rooms feature top-notch amenities such as floor-to-ceiling windows, automatic blinds, touch-pad lights, TV and music controls, and granite-topped bathroom counters. The mega-resort also offers more than a dozen restaurants, 3 teardrop-shaped pools perfect for people-watching, and a theater where the Cirque du Soleil show Zarkana is performed. Despite its size, the Aria remains committed to the environment; as of spring 2012 it was ranked the world’s largest building to be LEED certified.</div>
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VDARA</h5>
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<img alt="new-vegas-hotels-vdara" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2012/11/02/3a/new-vegas-hotels-vdara.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="new-vegas-hotels-vdara" width="616" /></div>
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MGM Resorts International</div>
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If you’re looking to spend your time on the Strip relaxing at a spa rather than gambling at a casino, consider a stay at Vdara, where guests can also enjoy the hotel’s 2-storey, 18,000-square-foot Spa & Salon Vdara. This non-gambling condo-hotel also opened in the nearly 17 million-square-foot CityCenter complex; its 578-foot tower houses nearly 1,500 suites that range in size from 526 to 1,750 square feet, and all feature a sleek, mod design. The Vdara’s suites are all privately-owned residences whose owners have chosen to participate in a program allowing their properties to be rented as hotel rooms. The 57-storey building’s highlight is by far the epic spa, which features 11 private treatment rooms, steam room, sauna, fitness center, full-service salon and even a smoothie bar. If the Vdara’s uber-low-key vibe grows too slow and the urge to hit the casino floor strikes, the hotel is a quick stroll over a 100-foot walkway to the nearby Bellagio casino.</div>
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NOBU HOTEL</h5>
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<img alt="new-vegas-hotels-nobu" class="poi-image-fullwidth aligncenter" height="462" src="http://travelchannel.sndimg.com/content/dam/images/travel/fullset/2012/11/02/1c/new-vegas-hotels-nobu.rend.tccom.616.462.jpeg" style="border: 0px; clear: both; display: block; float: none; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 1em auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="new-vegas-hotels-nobu" width="616" /></div>
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Nobu Hotel Caesars Palace</div>
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Nobu Hotel Caesars Palace is so brand-new, it hasn’t even officially opened — though reservations are being taken from February 2013 onward. The hotel is the creation of star chef Nobu Matsuhisa, whose famed sushi restaurant, Nobu, has locations across the globe. The boutique hotel will be located in Caesars’ Centurion Tower, with a mere 81 rooms (including 18 suites), though it will also house the world’s largest branch of Nobu restaurant, a massive 12,775-square-foot space. Guest perks include VIP access to the restaurant, as well as to Pure Nightclub, and free access to QUA Baths & Spa and the fitness center.</div>
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