1. Update Your Sums Insured
If your stock, equipment or contents increased during the year, make sure your policy reflects your actual exposure.

2. Review Storm & Weather Cover
Summer storms can cause major damage. Confirm your building, contents and business interruption cover are up to date.

3. Strengthen Cyber Protection
Cybercrime spikes in December.

 Enable MFA across systems
 Update backups
 Brief staff on phishing scams
 Limit remote access where possible

4. Prepare Vacant Premises
If your office or warehouse will be empty:

 Test alarms
 Confirm CCTV is working
 Secure entry points
 Check lighting timers

5. Fleet & Vehicle Safety
For vehicles not in use:

 Store securely
 Remove valuables
 Perform basic checks

If travelling interstate, confirm your cover applies.

6. Notify Your Broker of Changes
New assets? New premises? New staff?
Updating this before Christmas avoids gaps in cover.

7. Check Your Public Liability Exposure
More foot traffic and more events = higher risk.

Make sure your liability cover is current.

8. Staff Travel & Remote Work
Clarify what equipment is covered off-site and ensure remote staff understand cyber protocols.

9. Machinery & Equipment Shutdown

Holiday downtime can expose faults.

 Power down safely
 Inspect for leaks
 Schedule routine maintenance

10. Claims Documentation Ready
If something happens while you’re away:

 Know your excess
 Know your broker contact
 Keep receipts/photos