Insurance and festive cheer: Keeping your business protected this holiday season

The holiday period brings increased activity for many Australian businesses. Extended trading hours, additional staff, higher inventory levels, and seasonal events form part of the operational landscape between November and January. 

This period can also introduces considerations around business continuity and asset protection. From retail stockrooms to office premises, the nature of holiday operations may shift exposure profiles across multiple business functions. 

Commercial insurance policies are designed to address various operational scenarios. During peak trading periods, understanding existing coverage and its application to seasonal risks forms part of standard business planning. 

Holiday period risk factors 

Specific patterns emerge during the festive season that may influence business operations: 

• Increased foot traffic – higher customer volumes in physical locations 

• Extended operating hours – premises open outside standard business times 

• Temporary staff arrangements – additional or casual workers during peak periods 

• Elevated inventory levels – stock holdings above typical volumes 

• After-hours events – functions, parties, or promotional activities on business premises 

• Cyber activity peaks – higher transaction volumes and online engagement  

Risk considerations across business types 

Holiday-period exposure varies depending on sector and operational model: 

• Retail environments manage increased stock levels and customer interactions 

• Hospitality venues navigate capacity changes and event-based activities 

• Online operations process higher transaction volumes and delivery schedules 

• Service providers may adjust staffing models and access protocols  

Insurance elements relevant to seasonal operations 

Commercial policies typically address operational scenarios through various types of coverage. Features that may apply during holiday periods include: 

• Property protection for buildings, contents, and stock 

• Public liability considerations for customer interactions 

• Cyber insurance elements covering digital transactions and data handling 

• Business interruption provisions related to operational disruptions 

• Employee-related coverage addressing workplace incidents  

The specific terms, limits, and exclusions depend on the policy structure and provider. Businesses often review their coverage ahead of high-activity periods to understand what applies to their circumstances. Always refer to the relevant Product Disclosure Statement (PDS) for details on scope and conditions. 

Operational practices during peak periods 

Many businesses implement additional measures during the holiday season. These may include: 

• Security system reviews or upgrades 

• Staff training on safety protocols and procedures 

• Inventory management and stock control processes 

• Data protection practices for increased online activity 

• Emergency contact protocols for after-hours incidents 

These steps support broader risk management frameworks and may inform discussions with insurance professionals about coverage alignment.  

Understanding these elements ahead of operational changes may assist with preparedness and decision-making. 

Looking to review your commercial insurance ahead of the holiday season? Our brokers can provide general information on policy options and coverage types.  

Contact us to speak with one of our expert brokers.     

Disclaimer:  

The information provided is intended for general informational purposes only and does not constitute professional advice. While every effort has been made to ensure the accuracy and completeness of the information contained herein, Add Insure makes no guarantees or warranties regarding its applicability to your specific situation.  

Insurance needs and requirements can vary significantly depending on individual circumstances, local regulations, and business operations. We recommend consulting with a qualified insurance professional or broker to obtain advice tailored to your needs and circumstances.  

Add Insure shall not be held liable for any errors or omissions in this blog, or for any actions taken based on the information provided. For the most current and accurate guidance, please contact an insurance professional.