The Christmas Mishaps Small Businesses May Forget to Insure
It’s that magical time of year when the air smells like gingerbread, the office playlist won’t stop looping Mariah Carey, and small businesses across Tasmania prepare for a well-earned break.
Before you sprint for the door faster than a tradie chasing the last sausage roll at the staff party, here’s a friendly reminder: the silly season is also prime time for silly risks.
And that’s where RSM Tasmania and the Small Business Insurance Tasmania needs, comes into its own.
Because the one thing worse than an unexpected disaster… is an unexpected disaster during the one week of the year you’re actually trying to relax.
🎄 The “Christmas Lights That Weren’t Tested” Fire
Every year, someone dusts off the same tangled $7 fairy lights from 2012 and plugs them in with blind optimism.
- Sometimes they work.
- Sometimes they don’t.
- Sometimes they gently attempt to set fire to the premises.
Electrical faults spike over summer. If your business involves decorations, displays, or older wiring, this is the time to double-check your fire cover and building insurance.
🎄 Burglaries and Break-Ins
December and January are like the Grand Final for thieves. Empty buildings + predictable shutdown periods = opportunity.
If your contents, stock, or equipment isn’t properly insured, a single break-in can leave you starting the new year with a massive headache and a massive bill. Not ideal.
🎄 Storms, Floods, and That Random Tassie Weather
Because nothing says “Merry Christmas” like a hailstorm punching dents in your work ute.
Tassie weather does whatever it wants — even in holiday mode.
Summer storms can cause roof leaks, flooding, electrical damage, and stock loss.
Make sure your policies reflect what you actually hold on site during peak season.
Check this link for more helpful info: https://business.gov.au/risk-management/emergency-management/prepare-your-business-for-an-emergency
🎄 The “We’ll Fix It in January” Problem
Procrastinating maintenance?
Running equipment that’s overdue for a service?
Crossing your fingers that the old fridge in the back room will survive one more summer?
This is how business interruption claims are born. And no one wants to deal with downtime because the ice-cream freezer carked it on Boxing Day.
🎄 Protect Yourself Before You Clock Off
A quick chat with your insurance broker now can save you a mountain of grief later. A review of your cover, limits, and exclusions today means fewer surprises tomorrow — and a much calmer Christmas break.
If you’d like to double-check your protection before the holidays hit full swing, you local insurance broker, RSM Tasmania, is here to help.
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 .
