It's not exactly for that reason. The insurance companies don't want to be liable for a future similar incident, so they are pushing future liability onto hotel

It's not exactly for that reason. The insurance companies don't want to be liable for a future similar incident, so they are pushing future liability onto hotels that don't do a million things to guard against the last incident from recurring. Then, the hotels put these checks in place, so the insurers won't push liablity costs onto them. I guess it could be called a decrepit spiral of associative risk management.