It is true that putting up holiday lights does come with some insurance and liability problems. Let’s get that out of your head. There are more things that need to be done than items on Santa’s “nice” list, even though this fun game looks bright and happy. Click our extra resources for another topics!

No one should climb ladders, walk on roofs, or climb trees to make your property look better. They are all dangerous. A fall from a roof can ruin the Christmas spirit and get you into trouble with the law. So, the first thing you should ask a possible provider is, “Do you have insurance?” If the answer isn’t a sure “yes,” keep going like a shopper who doesn’t want to buy fruitcake.

If a worker gets hurt on your property or something breaks, like a heavy boot breaking a tile or a loose wire ripping your gutter, liability insurance will cover the costs. You can find this kind of insurance with most good companies. Pay for workers is a whole different level. If someone on your team breaks their ankle while wrapping gifts, this insurance will help pay for their medical bills. That way, you won’t get a big bill in the mail during the holidays.

Be sure not to lose the papers. Before you book, make sure they have proof of protection. Check that what they say is true. You need insurance for more than just your business when your roof is frozen and your wiring is a mess. Plus it makes you feel better.

Holiday lights can be pretty, but don’t let the law get in the way of your fun. Choose a company that puts safety first and not just as an aside. Ask questions and read the fine print. When those lights come on, you’ll know that everything is fine, bright, and stress-free.