The last quarter of the year means more customers and higher sales. While this is fantastic for your business, increased foot traffic can cause significant risks. Luckily, with the right business insurance, you can protect yourself, your employees, and your company. Learn more about some common dangers to businesses during this time of year to discuss protection options with your insurance agent.

What Are Some Common Business Risks During the Holidays?

1. Shoplifting

As your store gets busier, it can become difficult to keep track of all your customers. If you've dealt with shoplifting in the past, consider adding crime insurance to your policy. This addition will cover the costs of theft, burglary, and forgery, and it can even help cover the costs of employee dishonesty or theft.

2. Accidents

With long lines and lots of people walking around, an accident is almost inevitable. Anything from a spilled drink to a swinging bag can cause someone to fall, which can turn into a problem if you don't have business insurance. To guard against the unknown, invest in a strong liability policy that'll protect you from being sued for accidents on your premises, damage to property, product liability, and even advertising injuries.

3. Seasonal Employees

When business is going strong, you may need seasonal employees to help out. However, these workers are at a higher risk for workplace injuries and other mistakes than regular, year-round employees, as they often don't have as much training or experience. Update your worker compensation policy with any seasonal employees you hire to cover their medical costs and lost wages in the event of an accident.

If you need to amp up your insurance this holiday season, the knowledgeable staff at IGO Insurance in Raleigh, NC, can help you secure the policy you need. They work with over 15 insurance carriers and have been serving clients throughout the state since 1970. Their agents are committed to finding you the best coverage at the best price. Check out their website for more information on their business insurance policies, or call them at (919) 782-1560 to get a free quote.