Is your business prepared for the holiday season?

?? The Holiday Hustle is Here! ??

For many small businesses, Christmas is not just a festive season, but a time of intense activity like managing orders, driving sales, wrapping up projects, and extending hours to accommodate more customers.

In the midst of the rush, don’t forget about your financial protection.

Take a moment to review your business insurance: ?? Are you covered for increased holiday traffic? ?? Do you have protection against unexpected risks?

Here are 5 essential reasons to ensure your business is properly covered this Christmas.

1. Increase in foot traffic

RISK

Increased foot traffic during the Christmas period significantly raises the risk of incidents or accidents on your premises, even with robust safety measures in place, posing potential liabilities for cafes, restaurants, and retail businesses.

SOLUTION

Ensure your business is protected by securing Public Liability insurance or reviewing your existing policy to confirm it provides adequate coverage against potential incidents.

2. Increase in stock

RISK

Increased stock levels heighten the risk of loss, damage, or theft, particularly for businesses in retail or manufacturing.

SOLUTION

Protect your increased stock levels by ensuring your Business Insurance covers theft and damage. Review your policy to confirm it provides adequate coverage for the higher stock value you're holding.

3. Keeping that extra cash safe

RISK

Handling Christmas deliveries increases the risk of loss, damage, or theft of goods in transit, potentially leaving your business exposed without adequate insurance coverage.

SOLUTION

Ensure your Business Insurance provides adequate coverage for the increased level of deliveries and cash flow during the holiday season, protecting your business against potential losses or theft.

4. Increased risk of burglary

RISK

During the Christmas break, with businesses operating on skeleton staff or closing for the holidays, the risk of break-ins and theft increases, as this is a prime time for burglars to target unattended premises.

SOLUTION

In addition to ensuring adequate coverage for stock and contents, review your policy to include machinery and glass coverage, especially if you have a large shopfront window, to fully protect your business in the event of a break-in.

5. Wild weather ahead

RISK

With predictions of extreme and severe weather, including heatwaves and flash flooding, businesses face an increased risk of damage to premises and operations this Christmas. As temperatures rise, so does the potential for unexpected disruptions, making it crucial to assess your insurance coverage for protection against these weather-related threats.

SOLUTION

Be sure to check your insurance coverage for protection against fire-related risks, and ensure you're adequately covered for unexpected seasonal weather events.

?? Peace of mind is the best gift you can give yourself ??

Review your insurance today and protect your business this holiday season!