Santa’s Not the Only One Getting Ready
As the festive season approaches, it’s not just Santa who needs to prepare.
For businesses and homeowners alike, December is a critical time to review your risk management strategies.
Whether you’re running a bustling business or getting your home ready for the holidays, being prepared ensures you can enjoy the season worry-free.
RSM Tasmania is the Local Insurance Broker Tasmania relies on for up-to-date information and advice for all general insurance needs. So here are a few tips that you might find useful.
Part 1: Business Insurance – Safeguarding Your Livelihood
For businesses, the end-of-year period can bring unique challenges. From holiday closures to increased customer demands, staying ahead of potential risks is key to protecting your operations.
Prevent Holiday Theft and Vandalism
With many businesses closing over the holidays, unoccupied premises can become targets for opportunistic criminals. Enhance security measures such as alarm systems and lighting, and review your commercial property insurance to ensure you’re covered.
Manage Fire and Electrical Risks
Holiday decorations may boost morale but can also increase fire risks. Check your electrical setups and equipment, and ensure your fire safety measures are in place.
Staffing and Safety During the Rush
If your business experiences a holiday rush, ensure temporary or extra staff are trained to handle workloads safely. Comprehensive employer liability insurance can help cover unexpected incidents.
Need tailored business insurance advice? Talk to RSM Tasmania for expert guidance and support.
Part 2: Home Insurance – Protecting Your Castle
The festive season is also a busy time at home, with decorations, parties, and family gatherings adding to the cheer—and sometimes the risks. Ensuring your home insurance is up-to-date can save you from the unexpected.
Fire Safety at Home
From fairy lights to candles, the season’s festive décor comes with potential hazards. Regularly check wiring, avoid overloading power points, and have smoke detectors tested.
Cover for Holiday Travel
If you’re heading away for the holidays, double-check your home insurance policy to ensure it covers theft or damage while you’re gone. Consider basic security upgrades, like timers for lights or a house-sitter.
At RSM Tasmania, we strongly recommend PassportCard for your travel insurance needs.
Gifting With Care
If you’ve splurged on big-ticket items like jewellery or electronics, review your policy to ensure these valuable new additions are covered.
Unsure about your home insurance coverage? RSM Tasmania can review your policy and provide peace of mind.
Peace of Mind for the Holidays
Whether you’re managing a business or your family home, risk management is the key to a stress-free holiday season. At RSM Tasmania, we offer expert advice and tailored insurance solutions to suit your needs.
Let us take care of the risks, so you can focus on celebrating the season!
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 .
