Ho, Ho, Ho! Insure Your Way To Christmas

With December finally here, most people are gearing up for holiday merrymaking. Like most countries, Canada will be celebrating the festivities in snow and cold weather, eating roast dinners while clad in multicolor sweaters and A Christmas Carol playing on the television. As citizens of the maple country, Canadian businesses and consumers are exposed to seasonal risks that need to be considered.

Here’s a list of essentials for Canuck Christmas celebrations to insure:

A little bit of ‘offline’ shopping



Despite the popularity of e-commerce, Canadians still love to visit shops in person during the holidays. Shopping malls receive an increasing record number of visitors each year, especially as customers still prefer to see the products first before buying them. Especially if a no-hassle refund or exchange may be required in the New Year. Retailers must be covered for Public Liability in case of accidents in-store. Coverage for Property Damage and/or Third Party Damage can also be handy if you have clients who are stall owners operating in Christmas markets.
 
Spruce up those Christmas trees



The classic symbol of the holiday season, Christmas trees decorated with various ornaments and mementos abound the homes (and streets!) of Canada. The search for the perfect tree can be a treasure hunt designed to test one’s patience and determination. This is why Christmas tree lot owners try to cultivate as many gorgeous and sturdy trees as possible for the joy of their customers. A Christmas tree business can be tricky, presenting the insurance industry with niche risks. The trade may be seasonal, but Canada is one of the largest exporters of Christmas trees to other countries. Lot owners may have a hard time looking for a policy that covers and protects them from risks such as stock damage, a child injuring themselves tripping over a tree trunk or if an employee crashes a car used to transport tress from storage.

The ultimate festive spirit – booze



Pubs and bars get notoriously busy over the festive season. However there are always those customers who exceed their alcohol limits and wreak havoc with other merrymakers and partygoers. We all know that the one responsible for any damage is the owner of the establishment. For your clients in this line of business, advise them to read up on their Liquor Liability and Public Liability coverages for them to review what is and isn’t covered by their policies.
 
Drama in theatrics



Seasonal performances are always a big hit during the Yuletide season. For example The Nutcracker, presented by the The National Ballet of Canada, has been performed for almost 20 years since 1995 and people are still delighted by it when they watch the show. It is ingrained as a seasonal tradition. With stage plays running through the whole month of December, there are several perils that entertainment and theatre companies may face. Breakdown of lighting and sound equipment, amongst other things, can happen as well as injuries obtained by performers and/or dancers while doing stunts and other similar activities. 

Don’t let an accident spoilt your client’s Christmas. Log-in to Insurr to see the wide number of specialty risks that can be covered easily.

 
Other pages of interest:

Buying a real Christmas tree this year? Here's why it could cost more by CBC News on December 3, 2017

Taking on the risks of Christmas parties by Insurance Business Canada on November 28, 2017

Canadian spending on Christmas by Radio Canada International on November 20, 2017