Insights by Ferrum Insurance Agency
December is here—the season of travel, celebration, family gatherings, business shutdowns, and well-deserved rest. As streets light up, holiday offers roll out, and travel routes grow busier, one thing becomes clear: while December brings joy, it also brings heightened risks that individuals, families, and businesses must manage proactively.
For Ferrum Insurance Agency, this season is more than a festive moment; it is a strategic period to help our clients safeguard what matters most. Whether it’s a family road trip, increased cyber threats for online shoppers, or business risks during partial shutdowns, December insurance readiness is one of the smartest steps anyone can take.
Here’s your definitive guide to staying safe, and staying covered, this holiday season.
- Holiday Travel: Protect Your Journey, Not Just Your Destination
December is Kenya’s peak domestic and regional travel month. Roads are busier, weather patterns are unpredictable, and theft rates tend to rise.
Before you pack your bags:
- Review your motor insurance coverage: ensure you are fully covered for accidents, theft, and third-party liabilities.
- Consider travel insurance for medical emergencies, trip cancellations, lost luggage, or delays.
- Check your emergency roadside assistance options: one call could save hours during long-distance travel.
This small preparation can make the difference between a memorable trip and a stressful one.
- Protect Your Home During the Festive Rush
With families travelling upcountry or abroad, many homes remain unattended for extended periods, creating opportunities for burglary, fire incidents, and accidental damage.
Before locking your door:
- Verify your home insurance is active and updated.
- Ensure your policy covers fire, theft, floods, and accidental damage.
- Update your inventory list for any new valuables purchased during holiday sales.
- Secure your home physically: alarms, sensors, and proper lighting.
Peace of mind is priceless, especially during the holiday season.
- Festive Spending Comes With Its Risks—Insure Your Purchases
December brings irresistible deals on electronics, furniture, appliances, and even motor vehicles. But high-value purchases also come with heightened exposure.
Consider:
- Domestic package insurance for electronics, jewelry, and new household items
- Extended warranty policies for appliances
- Motor insurance upgrades for new vehicles
Protecting your investments ensures the holiday excitement lasts long after December.
- Business Owners: Don’t Let the Holiday Slowdown Expose You to Risk
For companies, December is both a wind-down and a ramp-up period depending on the industry. But across the board, several risk factors increase:
- Reduced staff presence
- Heightened cyber threats from holiday online traffic
- Increased risk of fire or equipment failure due to shutdowns
- Temporary staff who may not be fully trained
This is the perfect time to review:
- Business interruption insurance
- Fire and perils policies
- Cyber liability coverage
- Employee safety and workplace risk assessments
Smart business owners use December not just to close the year, but to protect the year ahead.
- Medical Cover: Because the Holidays Should Be Joyful—Not Stressful
From travel-related illnesses to festive-season injuries, December sees an uptick in medical emergencies.
A comprehensive medical policy ensures:
- Access to quality treatment
- Reduced out-of-pocket expenses
- Emergency evacuation if needed
- Coverage for dependents during holiday activities
Whether for individuals, families, or corporate staff, the best gift you can give is health security.
- A Season for Gratitude—and Responsible Celebration
At Ferrum Insurance Agency, we believe December is a reminder of what truly matters: family, health, security, and peace of mind. As you celebrate, travel, and plan for 2026, let insurance play its rightful role—quietly protecting your joy behind the scenes.
Final Thought: The Best December Decision You Can Make
The festive season should be enjoyed, not feared. By reviewing and updating your insurance coverage now, you ensure that unexpected events don’t take away your peace.
Stay joyful. Stay safe. Stay covered.
Ferrum Insurance Agency—Your Shield in Every Season.
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