Insurance Things to Double-Check Before You Lock the Door
December is that rare time of year when even the busiest Tasmanian businesses finally get to exhale, switch off the lights, and wander out humming carols with a half-eaten fruit mince pie in hand. RSM Tasmania is no exception.
But before you slam the roller door shut and begin your annual migration towards prawns, pavlova, and cricket on TV… it’s worth taking a moment to make sure your business isn’t left holding the short end of the Christmas cracker.
Because here’s the truth: Our Business Insurance Tasmania policies work brilliantly — but only if your cover is up to date before you lock the door.
Here’s your friendly, slightly cheeky Christmas shutdown checklist.
🎄 1. Is Your Security Actually Secure?
You’d be surprised how many businesses close early for Christmas… and forget the basics.
Check that:
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- Alarm systems are armed
- Locks and shutters work properly
- Cameras are functioning and recording
- Staff access cards are updated (yes, including Darren’s… he “never” remembers to return his)
Empty premises are a magnet for opportunistic thieves. A quick security sweep now can save a very ugly insurance claim later.
🎄 2. Power Down — The Right Way
Christmas is peak season for electrical fires, blown fuses, and equipment failure.
Before you head off:
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- Unplug non-essential appliances
- Clear any potential fire hazards
- Switch off displays or signage not required
- Check old fairy lights (or better yet, bin the ones your business inherited from 2007)
Insurance does cover accidental damage — but prevention is far less stressful than lodging a claim halfway through your Boxing Day leftovers.
🎄 3. Stock, Supplies, and the “Did We Really Buy That Much?” Surprise
Retailers, cafés, and hospitality operators often hit their highest stock levels in December.
If your policy hasn’t been reviewed recently, you might be underinsured without realising it.
A quick conversation now can prevent the heartbreak of discovering your festive-season stock is worth more than the cover attached to it.
🎄 4. Weather and Summer Storm Readiness
Tasmania may be small, but the weather doesn’t muck around.
Flash flooding, strong winds, and summer storms can hit when businesses are shut.
Check:
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- Drains and gutters
- Roof leaks
- Loose outdoor items
- Water-sensitive stock
- Storm prep = peace of mind.
🎄 5. Emergency Contacts & Business Interruption
Leave a copy of your emergency contacts list somewhere obvious — both digital and paper.
Also double-check your business interruption cover. If anything goes bang, boom, crash, or “electrical fault-ish,” this cover keeps your business financially afloat while repairs happen.
🎄 Peace of Mind Before the Pavlova
A quick pre-Christmas review with your broker means your January self will thank you later. If you’d like help making sure your business is properly protected for the break, we’re here.
Check Out This Australian Government Information – Prepare your business for an emergency.
Remember, this article is general in nature and doesn’t take into account your specific objectives, financial situation, or needs. For advice tailored to your circumstances, have a chat with us at RSM Tasmania Insurance Brokers Hobart.
Talk to Roger Hosie and stay ahead with RSM Tasmania’s insights.
Call Now! (03) 6244 7854, or email .
