Obviously, you want to protect your home against burglary year-round. But thieves know your home will likely be filled with brand-new gifts, cash and other expensive items during the holidays. Extra awareness and security measures are needed.

Protect yourself and your belongings (and maybe even save on your insurance premiums) by practicing these simple safety precautions.

When you’re away during the day or evening

  • Lock all doors and windows whenever you leave the house, even if it’s just for a few minutes.
  • Turn on your lights and the radio or television.
  • Keep your front door clear of package deliveries. Online shopping is popular this time of year, so don’t give porch pirates the opportunity to snatch your holiday gifts. If you ship something to your house, set up email or text alerts to confirm when packages arrive. Also, consider asking your mail carrier to deliver packages to your back door.
  • Keep your curtains closed so would-be thieves can’t see inside your house. Similarly, don’t put expensive gifts near windows, which could invite a smash-and-grab theft.
  • Don’t leave spare keys hidden outside during the holidays. Instead, give them to a trusted neighbour.
  • Put away ladders and tools that could be used to break into your home.

When you’re home

  • Keep your doors and windows locked (including on upper floors), even when you’re home.
  • Be wary of strangers at your door. Criminals sometimes pose as charity workers or couriers delivering packages.
  • If you have a garage, pull your car inside and close the door before you unload all those gifts you purchased. Burglars have been known to watch shoppers leave malls, follow them home and grab packages from their unlocked cars as they carry items inside. If you don’t have a garage, keep your car locked while you carry packages inside, even if you’ll be right back for more.
  • After the holiday, be careful about discarding packaging from expensive gifts. Thieves will know those expensive items are now in your home. Instead, cut up the boxes and turn them plain-side out for disposal or recycling.

When you’re travelling

  • Don’t talk about upcoming travel on social media. Wait until you get home to share details and photos.
  • Ask a trusted neighbour to keep an eye on your home and park in the driveway from time to time.
  • Have mail and newspapers suspended while you’re away so they don’t pile up outside.
  • Use a timer to turn your lights on in the evening and off during the day, so it looks more like you’re home.

Devices that make your home safer, such as dead-bolt locks, window bars and security systems, may be a smart option. Most insurance companies provide discounts for qualifying security devices.

No matter how cautious you are or how much you try to keep your home safe, if a burglar wants to break into your home, they’ll find a way. This is why insuring your property against theft is important. Be aware you may need to purchase additional coverage to protect special items like expensive jewelry, collectibles or rare antiques.

Having adequate home insurance is one of the best gifts you can give yourself this holiday season. Contact your insurance broker to make sure your policy is adequate and up to date. And remember to ask about discounts for security devices.

As the holiday season approaches, the excitement of travel fills the air. Whether you’re jetting off to exotic destinations or exploring the hidden gems within Canada, one thing is certain – unexpected events can happen at any time. At Ing & McKee Insurance, we understand the importance of having the right coverage for your journey. With our Travel Guardian Insurance, you can embark on your holiday adventures with peace of mind, knowing that you are protected every step of the way.

Prioritize Your Journey’s Protection: Holiday travel is all about creating memories and treasured experiences. However, accidents and unforeseen circumstances can occur, threatening to disrupt your plans and leaving you vulnerable to financial stress. By prioritizing insurance coverage, you can ensure that your travel dreams remain intact, no matter what comes your way.

Travel Guardian Insurance for Comprehensive Coverage: Our Travel Guardian Insurance offers comprehensive protection for both medical and travel-related situations. From emergency medical expenses to trip cancellation and interruption, we’ve got you covered. Our insurance plans are designed to cater to your specific needs, providing you with the necessary financial support and peace of mind, even in the face of unexpected challenges.

Safeguard Against Mishaps: Lost luggage, flight delays, and accidents can turn your dream vacation into a nightmare. With Travel Guardian Insurance, you can safeguard yourself from these mishaps. Our coverage includes baggage loss or delay, trip delays, and even emergency medical evacuation. We’ve got the tools to turn potential disasters into mere bumps in the road, allowing you to enjoy your holiday worry-free.

Accessible Support at Your Fingertips: In case of emergencies or the need for medical treatment, we provide a wallet card at the time of purchase. This card contains important contact information, ensuring that help is just a phone call away. Our dedicated team is available 24/7, ready to assist you and guide you through any challenges you may encounter during your travels.

This holiday season, prioritize your peace of mind while embarking on your travel adventures. With Ing & McKee Insurance’s Travel Guardian Insurance, you can enjoy a worry-free journey, knowing that you are protected against unforeseen circumstances. Don’t let accidents or mishaps derail your plans – invest in the right insurance coverage and make your travel dreams a reality. Contact us today or get your quote here to learn more about our insurance options and ensure a joyful and stress-free holiday season.

To complement our Travel Guardian Insurance, here are some top travel tips that will help you make the most of your journey:

  1. Pack Light: One of the golden rules of travel is to pack light. Stick to essentials and versatile clothing items that can be mixed and matched. This not only saves you from lugging around heavy luggage but also gives you more flexibility during your trip.

  2. Invest in Travel Insurance: Don’t leave home without travel insurance! It provides essential coverage for medical emergencies, trip cancellations, lost baggage, and more. With our Travel Guardian Insurance, you can travel with peace of mind, knowing that you’re protected against unforeseen circumstances.

  3. Research Your Destination: Before you take off on your adventure, take the time to research your destination. Familiarize yourself with local customs, traditions, and any specific requirements or safety precautions. This will help you blend in and make the most of your travel experience.

  4. Keep Important Documents Safe: Scan or photograph your passport, credit cards, driver’s license, and any other important documents. Store digital copies in a cloud-based service or email them to yourself as a backup. This way, even if you lose your physical documents, you’ll have easy access to the digital versions.

  5. Stay Connected: Inform your bank about your travel plans to avoid any issues with your credit or debit cards. Additionally, consider getting a local SIM card or an international data plan to stay connected with loved ones and access helpful travel apps on the go.

  6. Try Local Accommodations: Expand your travel experience by considering alternative accommodations like couchsurfing, Airbnb, or staying at hostels. Not only can this save you money, but it also provides an opportunity to connect with locals and gain unique insights into the destination.

  7. Be Open to New Experiences: Embrace the spirit of adventure and be open to trying new things. Taste local cuisine, explore off-the-beaten-path attractions, and interact with locals. Some of the most memorable travel experiences come from stepping outside your comfort zone.

  8. Prioritize Safety: While travelling, prioritize your safety by avoiding unnecessary risks and taking precautions. Research local customs, stay aware of your surroundings, and keep your belongings secure. Don’t forget to make copies of important documents and keep your loved ones informed about your whereabouts.

By following these travel tips and ensuring you have Travel Guardian Insurance, you’ll be well-prepared for your holiday adventures. Remember, the key is to enjoy the journey while having peace of mind that you’re protected in case of any unforeseen circumstances.

A successful holiday party brings your employees together to celebrate the year. It increases employee connections across the business and improves morale. It also takes careful planning.

Host a memorable holiday party by following these tips.

Do: Get employee feedback

What did your employees like — or not like — about previous celebrations? What do they think could be done to make the next party better?

Every office is different. The workers in your office may prefer a more intimate potluck. Or they might want to get out of the office for an activity or meal. You can seek employee feedback by sending out an anonymous email survey. Ask five questions or fewer to make it easy for your employees to give feedback. Depending on your budget, these questions can include:

  • Do you prefer having dinner or light appetizers?
  • Would you prefer to bring a guest or leave it to employees only?
  • Set times or open house style?
  • Music or mingling?
  • Gift exchange, white elephant or neither?

Don’t: Make employees organize the event

A holiday party should be fun, not an extra responsibility. While employee feedback is encouraged, don’t make your employees take on additional duties related to the event. Handle all the organization and planning yourself or use a volunteer committee so your employees can focus on their jobs and have fun at the celebration.

Likewise, avoid making activities like gift exchanges mandatory. This may add to employee stress, which is not your goal.

Do: Celebrate employees

No matter what you do for your party, find a way to include employee appreciation. You may want to give out awards, gifts or holiday bonuses. While parties are fun, they won’t achieve their goals of improving employee morale and engagement without some form of employee appreciation.

One free way to celebrate employees is a slideshow of the year’s successes. You can showcase companywide and individual employee success. But don’t leave anyone out of your presentation.

Don’t: Spur separation or competition

During a holiday party, you have a unique chance to bring together different departments, as well as leaders and employees. Allow everyone to mingle and get to know one another.

Likewise, when celebrating employees, don’t highlight one group over another. If you plan activities, make sure they are cooperative, not competitive. This is an opportunity for all employees to get closer and develop a new respect for one another.

Along these lines, don’t make your party about one specific holiday, such as Christmas. Some employees may not celebrate Christmas, or they may observe other holidays. Be thoughtful and inclusive during the planning process.

Do: Focus on the details

It’s important to understand the overarching goal of your holiday party, but don’t miss the details! You’ll need to make a lot of small decisions about your party to get it right, including:

  • A date and time that work for all or most employees
  • A location your employees will love
  • A tasty menu that accommodates dietary restrictions
  • Whether to serve alcohol
  • Fun gifts or activities to make the party memorable
  • Whether to invite employees’ partners or families

Start with important decisions like the date, location and menu a few months before your party. You can decide on gifts and activities later, depending on your budget.

Don’t: Start planning in December

Holiday parties take a lot of thought and consideration. Start planning in September at the latest to lock in your venue, caterer and other vendors. That will also give your employees plenty of time to clear their calendars.

Do: Take special care if you plan to serve alcohol

If you are serving alcohol at your party:

  • Prevent employees (and their guests, if applicable) from drinking too much.
  • Prevent tipsy partygoers from driving home.
  • Inform your employees that applicable workplace policies relating to a respectful, harassment-free workplace remain in effect during your holiday party.
  • Be prepared to respond if an employee alleges harassment by a coworker, supervisor or vendor during the party.

Meet with your legal counsel to ensure you have considered all legal issues relating to alcohol consumption at your event.

Plan ahead and have fun!

A year-end celebration can be fun and motivating for employees. Keep these tips in mind to ensure a positive experience for everyone.

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