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PROTECT YOUR BUSINESS DURING PEAK TRADING
Why Seasonal Risk Insurance Matters
During peak periods such as Christmas, Black Friday or summer sales, shops often carry higher stock values, employ temporary staff and experience heavier footfall. Seasonal risk insurance ensures your cover keeps pace with these increased exposures.
What Does Seasonal & Peak-Period Insurance Cover?
Flexible protection for temporary increases in retail risk.
- Seasonal increases in stock values
- Temporary uplift to contents & premises cover
- Higher public & product liability exposure
- Increased theft and shoplifting risk
- Cover for temporary or seasonal staff
- Business interruption during peak trading
Common Seasonal & Peak-Period Retail Risks
- Underinsurance due to increased stock levels
- Slips, trips & crowd-related injuries
- Theft, burglary and opportunistic crime
- Fire risk from decorations and electrical overload
- Claims involving temporary staff
- Lost income following a peak-period incident
Why Choose Insure24?
- Seasonal uplift advice to avoid underinsurance
- Flexible policies for peak trading periods
- Experience with Christmas & sale-period risks
- Access to insurers comfortable with fluctuations
- Claims support when it matters most
FREQUENTLY ASKED QUESTIONS
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Do I need extra insurance during Christmas or peak seasons?
Often yes. Increased stock, footfall and staffing can leave you underinsured unless your policy includes seasonal uplifts.
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Can stock limits be temporarily increased?
Yes. Many policies allow temporary stock uplifts during peak periods such as Christmas or major sales.
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Are temporary staff covered?
Employers’ liability insurance typically covers temporary and seasonal staff, provided wage estimates are accurate.
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Does business interruption apply during peak trading?
Yes. Business interruption cover applies year-round and can be critical during peak trading periods when income is highest.
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What happens if I don’t adjust my cover?
You risk being underinsured, which can reduce claim payments at exactly the time your business needs them most.