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Five reasons to make sure your business is insured this Christmas

The holiday season brings increased risk for UK businesses

1. There's a rise in vandalism and malicious damage

The increase in socialising that happens at Christmas time often brings with it drunken revelry and, in turn, an increase in aggressive or anti-social behaviour. This puts businesses at increased risk to incidents of spontaneous vandalism, malicious damage, or even arson. Premises that are highly visible to the public or those that are open for trade late at night are particularly vulnerable.

2. There's more drink-driving

The Christmas and New Year period sees more drivers on the road who are under the influence of alcohol, which increases the risk of damage to your commercial vehicles and premises.

3. Your pipes are more likely to burst

This one is more to do with cold weather in winter than Christmasper se- but the point still remains. In December 2010 there were more than 100,000 claims in the UK for damage caused to properties by burst pipes. This is because when water freezes, it expands - so if your premises are inactive and there's no heating on, burst pipes can very easily occur after a few nights of sub-zero temperatures.

4. There are more burglaries

There's an increased risk of burglary at Christmas time because thieves are on the prowl for more cash and more goods. There are a number of reasons for this, including the fact that expenses are higher during the Christmas season, criminals expect higher windfalls that offset high risk, and the black market - just like legitimate retail markets - is more active.

5. You have more stock

If your business is in the hospitality or retail sector, it's likely that you will have a higher level of stock during the festive season. This not only makes your business more at risk of robbery, as outlined in point four - it is also significant because your higher level of stock is exposed to the same risks that your general level of stock has all year round. You may or may not have an insurance policy that reflects this higher value of stock during the Christmas period.