Business protection over the holidays: Safely into the company shutdown

For many self-employed people, the period between Christmas and New Year's is the only time they can truly relax. But while the office is empty, the risks don't sleep. A short circuit or a burst pipe can seriously jeopardize the start of the new business year.

How self-employed people can secure their business over the holidays

📋 The quick checklist for your business

Before you shut down your computer, you should check off these 5 points:

  • [ ] Fire safety (standby check): Physically disconnect all unnecessary devices (coffee machine, copier, monitors) from the power supply. Standby fires are one of the most common causes of office fires.

  • [ ] Water protection (frost guard): Leave the heating on the minimum setting (frost protection symbol) to prevent the pipes from bursting in the event of a sudden onset of frost.

  • [ ] Digital security: Perform a final cloud or offline backup of your most important project data.

  • [ ] Property security: Check all windows (including in the restroom/storage area) and empty the mailbox. An overflowing mailbox is the perfect invitation for burglars.

  • [ ] Documentation: Take a quick photo of your tidy and secure workspace. This will help with proof in case of an incident.

❓ FAQ: Frequently Asked Questions for Entrepreneurs

Does my private home insurance cover my business equipment? Generally, no . Work equipment such as high-end laptops, cameras, or specialized software servers usually need to be covered by a commercial contents insurance policy. Check this before your vacation!

What happens during a business interruption due to damage? If you are unable to work for weeks due to a fire or water damage, a standard property insurance policy only covers the material value. For lost earnings, you need business interruption .

Why should I report damage via Risk-Bot? Time is money. Especially as a sole proprietor, you don't have time for bureaucracy. Risk-Bot is available 24/7 (even on Christmas Eve) and uses AI to guide you through the reporting process, ensuring you immediately secure all necessary evidence.

In an emergency: Fast help instead of waiting on hold

Should an unpleasant surprise await you in your office on New Year's morning despite all precautions: Stay calm. Use our digital assistant to immediately and legally document the damage.

👉 Report business damage here: risk-bot.de/schaden-melden-schnell-sicher-richtig/

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