As the festive season approaches, many businesses are busy wrapping up projects, planning Christmas parties and preparing for a well-earned break. But amongst the tinsel and to do lists, there is one important thing that often gets overlooked, business insurance. Is everything properly wrapped up before the office closes for Christmas?

December is the perfect time to pause, reflect and make sure your business insurance still does exactly what it should. Over the past year, businesses naturally evolve. Teams grow, new equipment is purchased, turnover changes and new risks appear. If your insurance has not kept pace, you could be heading into the Christmas break with gaps you did not even realise were there.

What Happens When the Office Closes?

What happens if your premises are closed for an extended period? Are you still covered if there is a break in or a burst pipe? Many policies include conditions around unoccupied buildings, something that catches business owners out far too often during the festive shutdown. A simple review before Christmas can provide reassurance and help avoid unpleasant surprises in the New Year.

The festive period can also mean increased activity. Extra stock on site, temporary staff, year-end events or staff working from home more frequently. Have these changes been reflected in your cover? It is worth asking, because assumptions are rarely a good idea when it comes to insurance.

The Value of Independent Advice

This is where working with an independent broker really comes into its own. Jones Taylor Steven are proud of their independence, with no allegiance to any one insurer. This means they can explore the wider market and carefully select cover that genuinely suits each client’s specific needs.

With access to both well-known insurers and smaller specialist providers, businesses can feel confident their insurance has been chosen for the right reasons, not simply convenience.

A Dedicated Advisor You Can Rely On

Having a dedicated insurance advisor makes a real difference. Rather than explaining your business again every time you get in touch, you have a central point of contact who understands how your business works. This allows for clear guidance, thoughtful advice and the reassurance that comes from knowing someone is looking out for you.

So, before the office lights go off and the out of office goes on, why not make sure your business insurance is properly wrapped up too? A short conversation now could make all the difference to how confidently you start the New Year.

After all, peace of mind is something every business owner deserves this Christmas.