According to the Property Casualty Insurers Association of America (PCIAA), Halloween has the highest number of claims for any day by 81%.
To prevent damages, bring in any product you may have displayed on the exterior of your business before dark. Take photos of your business a week or two before Halloween. If you must file a claim for vandalism, you will have photos available for your insurance company.
Vehicles are more likely to be vandalized on Halloween.
Park your vehicles inside a locked garage or in a well-lit area and have the windows up and doors locked.
If you’re having the public come into your business during Halloween, think twice before you string up dramatic lighting and flashing lights. They can create a fun atmosphere for trick-or-treaters, but it can also cause accidents. Dim lighting can encourage theft by making it difficult to distinguish colors of clothing or recognize facial features. Dim lights also hinder surveillance equipment.
Make sure to check the exterior of your building. Extension cords can be a tripping hazard if not secured properly. Confirm that the surrounding walking surfaces (sidewalks, paths etc.) are clear of debris and well lit.
Above all, make sure your insurance policy protects you in the event of candle fires, falls, tainted candy claims, and any other types of Halloween-induced accidents.