When Christmas lights go big, so do the risks

When Christmas lights go big, so do the risks

Christmas lights have always been a symbol of celebration, but the way we use them has changed dramatically. In centuries past, the festivities would be heralded by the soft glow of candles, while today immersive light trails draw crowds from near and far.

With these changes not only come new risks, but new opportunities for brokers to support their clients. Even if it’s a small community trail, festive displays need thoughtful planning and the right insurance. Geo’s Specialist Commercial team is here to support you in discussing these considerations with your clients

 Christmas light risks: an evolution

• 1600s-1800s: Candles on trees were beautiful but posed a major fire hazard.
• 1880s-1930s: Electric lights are introduced, reducing the fire risk of candles, but bringing new hazards.
• 1940s-1990s: Mass production means that Christmas lights became more accessible, but unsafe imports and overloaded circuits quickly became common.
• 2000s-today: LED and smart lighting improved safety, yet new risks like battery faults and cybersecurity issues emerged.

The rise of light trails and community events

Fast-forward to today, and Christmas light events are now a staple of the festive season. From Chester Zoo’s Lanterns & Light trails to Christmas at Kew Gardens, these displays attract thousands of visitors and generate a lot of money for the economy.

As well as bigger, regional events, smaller community-led trails are also thriving. Wakehurst’s Glow Wild and Christmas at Bedgebury offer magical experiences on a smaller scale, without the higher price tag and need for travel. Because these local events rely on volunteers – and have tighter budgets – tailored insurance support becomes even more important.

Brokers should watch out for…

We’ve compiled a list of the most common risks associated with festive light events, and how you can help your clients prepare.

• Electrical and fire safety
  Because faulty wiring and flammable materials can pose serious hazards.
  Suggest: Certified LED lighting and professional installation.
• Crowd management
  Recent headline events have put the dangers of overcrowding and poor access planning to the forefront of public awareness
  Suggest: Stewarding plans and timed entry systems.
• Weather hazards
  Wintry weather can damage equipment and create slip risks.
  Suggest: Waterproof gear and contingency planning.

• Public liability
  Injury can be caused by an array of things, from trips to falling decorations and malfunctioning tech.
  Suggest: Comprehensive public liability insurance.
• Technical and cyber risks
  Smart lighting systems can be vulnerable to outages and cyber threats.
  Suggest: Equipment cover and cyber protection, if relevant.
• Environmental impact
  Clients will want to minimise their energy consumption and waste produce where they can.
  Suggest: Eco-friendly lighting and responsible disposal practices.

How Geo can support you and your clients

At Geo, we understand the unique challenges that come with festive events. Our Specialist Commercial team is experienced in providing tailored cover for seasonal displays, whether you’re planning a small community trail or large-scale attraction.

We’re here to help you find suitable insurance solutions for your clients, so they can focus on creating memorable experiences without worrying about what might go wrong.