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Christmas shutdown and property protection in 9 easy steps

Posted on 15th December 2017 by Alex Worthington

Christmas Protection

The Christmas holidays are right around the corner. But, as we rush around to ensure our Christmas is  magical we can sometimes leave the most important steps to securing a great Christmas behind. With the Christmas spirit high as we shut up shop for the holidays, our attention to detail can sometimes fade into the background, we’re relaxed, we’re in need of a break and we’re as excited as we once were at eight or nine. As the festivities take hold we might just accidentally leave those Christmas lights on, or not shut down our PC correctly because hey, what’s the worst that can happen.

Shutting down correctly could make or break your 2018 adventure. You wouldn’t want to return after Christmas to discover you can no longer trade or your business is about to face permanent closure.

To help you shut down correctly we have enlisted the help of our Health and Safety Manager Steve Haines to give you a full detailed brief of what you should be looking for when closing your premises for Christmas.

Protect your premises:

The usual premises lock down and management procedures must be followed:

  • All physical and electrical security protections must be utilised.
  • Alarm receiving centres notified of any lengthy and additional periods of unoccupancy.
  • Background heating for frost protection maintained and if need be insulated. Water services must be isolated.
  • Ensure all IT back-ups are completed and up to date and IT systems are closed down to prevent hacking attacks.
  • Adopt a risk managed approach to securing valuables such as attractive stock and equipment. Again, utilising physical and electrical protections but consider storage in dedicated locked storage areas or off site. For example, do not leave loaded up trailers on the service yard.
  • If there is a perception that the commercial premises are particularly vulnerable during the holidays, consider manned guarding, security patrols or remotely monitored CCTV.
  • Make sure that all risk management service providers have updated contact details of dedicated management team and key holders.
  • Ensure any poor housekeeping does not compromise the arson risk. Make sure waste collection regimes are effective. Make sure combustible trade waste does not accumulate internally or externally and there are good separation distances, ideally 10m, of externally stored combustibles from property.
  • Ensure full compliance with your insurance policy conditions.

Remember on most insurance policies there is a “reasonable care” condition. This will follow similar wording across most insurers documents.

Reasonable Precautions

It is a condition precedent to the liability of the Company that the Insured must:

  • a) take all reasonable precautions to prevent or minimise loss, destruction, damage, accident or injury;
  • b) maintain the Premises, machinery, equipment and furnishings in a good state of repair;
  • c) exercise care in the selection and supervision of Employees; and
  • d) comply with all relevant statutory requirements, manufacturers’ recommendations and other regulations relating to the use, inspection and safety of property and the safety of persons

 

Don’t forget we are here to help safeguard your property which is why we offer free Risk Management assessments from our dedicated Health and Safety Manager Steve Haines as part of your policy. These assessments help you to identify property protection and health and safety management issues.

If you have any further questions, do not hesitate to get in touch on 0161 833 2100.

In the mean-time we wish you a very Happy Christmas and New Year.

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