10/30/2026
This is not a joke: Halloween is one of the riskiest nights of the year for business owners.
Most business owners do not think about insurance risk on Halloween. They should.
Slip-and-fall claims spike this time of year. Wet leaves, dark parking lots, decorations in walkways, and foot traffic your business does not usually see are a common combination.
If you host customers, run events, or have employees working late-night hours this week, check three things before the 31st.
Your general liability limits. If a customer falls on your property, are you covered for medical costs and legal exposure?
Assault and battery coverage. Standard GL policies often exclude this. If you host a Halloween event, check your exclusions.
Hired and non-owned auto coverage. If employees drive their personal vehicles for work errands, are they covered?
One quick policy review this week is worth more than any candy budget.
Talk to a specialist at associatesgroup.com. 🎃