The colder months can be a dangerous time for drivers. Snow and ice make roads slippery. Shorter days means more people are on the roads in the dark. Cases of collisions involving wildlife significantly rise during the winter, typically because animals crossing the road are much harder to spot.

When looking into the possibilities of working from the home, some people make the mistake of thinking that they can forgo the need for any type of insurance to cover them specifically while working in this environment.