The 12 Risks of Christmas

1. Slip and fall claims 1. Slip and fall claims
2. Frozen pipes 2. Frozen pipes
3. Buildup of snow on the roof 3. Buildup of snow on the roof
4. Wintery business interruption 4. Wintery business interruption
5. Cyber Monday data breaches 5. Cyber Monday data breaches
6. Employee theft and fraud 6. Employee theft and fraud
7. Holiday party harassment claims 7. Holiday party harassment claims
8. Liquor liability 8. Liquor liability
9. Toy recalls 9. Toy recalls
10. Auto accidents 10. Auto accidents
11. Car theft 11. Car theft
12. Flu, heart attacks and other health issues 12. Flu, heart attacks and other health issues