© 2026 Arizent. All rights reserved.
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1. Slip and fall claims

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2. Frozen pipes

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3. Buildup of snow on the roof

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4. Wintery business interruption

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5. Cyber Monday data breaches

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A female in the act of shoplifting or stealing puts an item under her clothes
Lovegrove & Lea/Steve Lovegrove - Fotolia

6. Employee theft and fraud

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Close-up of business partners hands cheering up with flutes of golden champagne
pressmaster - Fotolia

7. Holiday party harassment claims

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8. Liquor liability

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9. Toy recalls

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Djonk - Fotolia

10. Auto accidents

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11. Car theft

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12. Flu, heart attacks and other health issues