Oh, the holidays! Decor goes up. Hours stretch late. Crowds press in. And your liability? It balloons fast. The holiday season doesn’t just bring revenue. It drags risk in right behind it. At Bingham Insurance Group in Braselton GA, we help business owners recheck the fine print before a claim shows up under the tree.
One Garland Too Many
It starts small. A light strand across the doorway. A table near the exit stacked with stocking stuffers. Maybe a heater plugged into a surge strip behind a checkout line. And then – someone trips. Gets burned. Slips on melted sleet at your front mat.
These aren’t edge cases. They’re everyday holiday hazards. If your policy was built for “normal” traffic and conditions? It’s not built for now.
More People, More Exposure, Less Margin for Error
Think of what shifts:
- More foot traffic
- Seasonal employees with less training
- Extended store hours (and fatigue)
- Temporary signage, setups, pop ups
- Events, samplings, late-night hours
Your general liability policy covers a lot. But not everything. Especially not surge conditions like these.
That’s where Bingham Insurance Group in Braselton GA commercial insurance sharpens the edge. We layer in event-specific coverage. Audit premises risk. Advise when an umbrella policy stops being optional and starts being necessary.
Your Defense Starts with Documentation
Risk control isn’t just insurance. It’s staff procedures, incident logs, signage, floor checks. Keep records. Post warnings. Take photos before and after events. If a claim lands, this is your firewall.
Fix It Now – Not When a Lawsuit Lands in Your Inbox
Most claims happen fast. Most regret comes later. Take one afternoon. Walk your space with your agent. See what’s changed. Update your coverage to match.
Holiday season’s here. The clock’s already running. Call Bingham Insurance Group now before risk takes center stage.
