The holiday season brings unique risks for both businesses and individuals, with many common insurance claims filed due to increased activity, travel, and events. Without the right kind of Personal or Commercial Insurance coverage in place, liability issues and out-of-pocket costs could result in a miserable holiday season.

In today's blog post, learn some of the typical claims for commercial and personal insurance during the holidays. Then discover how to protect yourself, your family, or your business with reliable, comprehensive insurance coverage from Aegis Insurance & Financial Services.

Personal Insurance Claims

The last thing you or your family wants this holiday season is to deal with a costly, sudden catastrophe. With the right Personal Insurance policies in place, you can have peace of mind that you, your loved ones, and your personal property are well protected.

1. Home Fire Damage
Increased use of candles, holiday lights, and fireplaces during the winter months results in more house fires. Frequent culprits include dry Christmas trees, overloaded electrical circuits, candles left burning, and unattended cooking.

2. Theft and Burglary
Thieves often strike more often during the holiday months, with a rise in home and apartment break-ins as people travel. Electronics, jewelry, and holiday gifts visible through windows are common targets for home and apartment thieves.

3. Car Accidents
More people travel during the holidays, leading to a higher number of traffic accidents, usually worsened by winter weather. It's common to see more accidents from icy roads, increased DUIs, and rear-end collisions due to heavy traffic, so having great Auto Insurance coverage is a must-have.

4. Water Damage (Frozen Pipes)
Cold weather can cause pipes to freeze and burst, especially in unoccupied homes. Claims for water damage to floors, walls, and personal property can be costly, especially if you don't have good insurance in place.

5. Accidents in the Home (Guest Injuries)
Home gatherings increase the risk of guests slipping, tripping, or suffering injuries. These can be because of slippery entryways, cluttered living spaces, or poor outdoor lighting.

With the right types of Personal Insurance in place, such as Homeowners, Renter's Insurance, and Auto Insurance, you can have peace of mind that you're fully protected with quality insurance coverage this holiday season.

Commercial Insurance Claims

The holidays are a busy time for many businesses across Texas, whether it's a retail store, restaurant, or bar. Some of the most common claims your business could face this holiday season include:

1. Slip-and-Fall Accidents
With holiday decorations, increased foot traffic, and sometimes icy or wet conditions, businesses often face slip-and-fall claims. General Liability coverage can protect your business when these occur so your business isn't facing large out-of-pocket liability claims.

2. Property Damage and Theft
Theft and vandalism can increase as holiday shoppers and vacationers leave behind unoccupied properties or valuables left in plain sight. This can result in broken storefront windows, stolen merchandise, and damaged holiday decorations, but Commercial Property Insurance can protect your business when damage and losses occur.

3. Fire Damage
The increased use of holiday lighting, fireplaces, space heaters, and decorative candles elevates fire risks. The risk goes up in retail spaces, restaurants, and warehouses storing holiday goods.

4. Cybersecurity Breaches
Higher online shopping activity can make businesses more vulnerable to cyberattacks, resulting in data breaches or ransomware attacks. Common targets include e-commerce sites, payment processing systems, and customer databases.

5. Liquor Liability Claims
Businesses hosting holiday events may face liability if alcohol is served and someone is injured as a result. Bars, restaurants, and corporate event spaces all benefit from having Liquor Liability coverage.

Aegis Insurance & Financial Services offers a full suite of dependable Business Insurance policies, tailored to your industry needs and designed to protect your business at a cost-effective rate.

Partner With Aegis For a Safer Holiday Season

The holidays often come with a lot of festivities and joyful memories with loved ones, but they can also come with added risk, whether you're a homeowner, renter, or business owner. This year, don't be caught unprepared and have Aegis Insurance & Financial Services help you get the coverage you need to have a safe and happy holiday season.

Contact our office today at 713-850-7622 to speak with our team of experienced Agents about our full range of strategic, comprehensive Personal and Commercial Insurance policies for all your coverage needs.