Brokers urged to ensure clients protected over Christmas

Insurance brokers should check that their clients are fully prepared for any changes to their operations this Christmas.

That reminder comes from insurer Aviva, which today (15 December 2025) released a list of top tips for brokers looking to help their customers avoid common winter and festive related issues.

Chief among the suggestions was the reminder for businesses to secure their premises with additional layers of security ahead of any planned extended closures.

With criminals targeting empty buildings over Christmas week, the insurer recommended that firms at the very least check their “security systems are adequate and an emergency contact is on standby”.

Conversely, companies that are gearing up for a period of increased demand should make sure their supply chain is robust enough to handle the influx in advance and check that any increased inventory is covered by the limits of their policies.

Firms were also reminded that winter brings with it heightened property and casualty risks, including ingresses of water, the risk of burst pipes, heavier traffic, icy roads and slip risks for both employees and customers.

Cyber risk

Finally, the report reminded brokers that cyber risks may actually increase over the festive period, with scammers looking to make use of the frantic period as cover for their operations.

Rebecca Gambrell, managing director of SME and delegated authorities at Aviva, said: “After a busy 2025, many businesses will be gearing up for their busiest trading period, whilst others will be looking forward to some well-deserved downtime.

“Now is the perfect time for brokers to check in with clients and understand their plans. Whether they’re hiring temporary staff, increasing stock levels or leaving premises unattended, these changes can affect insurance needs.

“By reviewing cover and offering proactive advice, brokers can help businesses enjoy a successful end to the year without any unwelcome surprises.”