Here's how to prepare for the influx of customers that come with a large event — and how to protect operations during peak demand.

How big events can impact business

While a rush of visitors can boost business, larger crowds can also increase risk. As more people move through retail stores and restaurants, they increase wear and tear on the property. And when a sudden bump in foot traffic creates crowds, it also increases the potential for accidents or other disruptions, especially in tight spaces.

Risks to consider when crowds increase

Small businesses should prepare for the following possibilities before an uptick in customers:

Damage to business property;
Slip, trip and fall claims;
Theft and burglary;
Disruption and civil unrest; and
Operational strain during peak hours.

Steps to take before crowds arrive

Inspect floors, walkways, entrances and lighting prior to and throughout the event's duration.
Check outdoor tables, chairs or signage for wear and tear and replacing them if needed.
Add or reinforce safety signage.
Evaluate housekeeping and maintenance routines with staff.
Prepare employees to serve a higher number of customers.
Assess staffing schedules and determine whether to add extra staff during peak hours with higher demand.
Refresh employees on incident response procedures, including civil unrest preparedness in case of unruly crowds.
Review business insurance policy and coverage limits.
Talk to insurance agent if coverage updates are needed.

Why it's smart to review insurance coverage

Large events temporarily increase risk exposure for businesses in the area. It is essential to understand the business's general liability and property coverage prior to any boost in customer traffic. Small business owners should review their insurance policies and talk to their agent to ensure they are properly covered on all fronts — especially if the owner is planning any promotions specific to a local event.

Plan ahead to seize opportunity

By reviewing the insurance and preparing safety measures for both staff and guests ahead of time, small business owners not only help prevent accidents and other issues, but they also help staff focus on creating great experiences for customers. This allows the business to benefit from the event rather than suffer the consequences of being unprepared.

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