Hiscox launches safety checklist for retailers
Insurance company Hiscox has issued a checklist for small businesses to keep their staff safe this Christmas.
It comes as data from the Health and Safety Executive (HSE) showed that 680,000 workers experienced a non-fatal workplace injury in 2024/25, with retail, hospitality, trade and delivery services reporting higher injury rates.
Titled ‘Elf and Safety, the checklist is made up of six steps:
- Prioritise rapid training for temporary staff
- Review rotas for fatigue risk
- Reassess the physical layout
- Assign clear roles during busy periods
- Support team wellbeing
- Double-check employers’ liability accuracy
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Nick Thornhill, direct and partnerships director at Hiscox said: “When small teams face an increase in customers, staff injury risk rises. Longer hours, bigger roles and temporary staff unfamiliar with processes all add pressure. For small businesses, even one injury can disrupt operations at a critical time.”
The firm conducted a poll that found 70% of consumers have plans to shop in-person at small businesses over the festive period.
Research also highlighted that some of the biggest challenges for small businesses during the festive period were high footfall and queues, longer shifts, difficulties taking breaks, and physical strain from lifting.
The insurer showcased that 68% of seasonal workers reported that having more staff on shift would make their roles more manageable. It also stated that 38% felt more frequent breaks would make their roles safer, and the same amount highlighted that better training would assist them.
According to Hiscox, 42% of respondents felt that having more clearly defined roles would aid them over the festive period.
Thornhill added: “A quick safety check now could help prevent costly disruptions later. If one of your employees falls ill or sustains an injury in the context of the work they do for you, you could be held liable.”
“The health and safety of your employees is of paramount importance, and as an employer, it’s vital to uphold that responsibility. Something as simple as slipping on a wet floor could lead to a claim. As accidents do happen, you can help protect the vitality of your business through clear role planning and ensuring you have accurate employers’ liability cover.”
