Illinois Glazier And Glass Installer Insurance (Quotes, Cost & Coverage)
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Illinois Glazier And Glass Installer Insurance
Illinois Glazier And Glass Installer Insurance. Glaziers install and repair plate glass, glass blocks, and related products, such as mirrors and Plexiglas, in display cases, doors, interior walls, skylights, tabletops, and vehicles. Their primary work is on exterior glass, but they may install and repair interior plates, blocks, and mirrors. They may be involved in art or stained glass manufacture or restoration, lead glass manufacture, or glass blowing operations.
Typically, the glazier measures the window openings, obtains the materials from a supplier and returns to complete installation. Plate glass must be cut to size and the edges sanded, fitted into the frame, secured with glazier's points (small metal clips), and sealed with an adhesive. Specialty glass, such as insulated or security glass, must be ordered to size since it normally cannot be cut.
If you are a business owner who deals in glass installation, repair and replacement, you need Illinois glazier and glass installer insurance. Liability to the business owner may occur if your glass service causes any damage to your customer's home or business. Make sure your business is covered with glass dealers insurance in the unfortunate event of an accident.
Glass projects can range from a simple home window replacement to a complex commercial project. If your business works with glass, on any scale, you need to be properly covered with full glaziers insurance coverage.
Illinois glazier and glass installer insurance protects your business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Types of Glaziers Insurance
Your glass business is exposed to many risks on a daily basis. There are several different Illinois glazier and glass installer insurance policies that you should consider purchasing to cover your business.
General Liability Insurance - General liability for your glass or mirror store includes general premises liability which includes coverages for medical and legal costs if a person were to get injured in your store, or from work you did at a customer's location. Accidents happen, no matter how diligent we are when trying to prevent them. If you own a glass or mirror store, you need this coverage.
Product liability is also sometimes included in your general glaziers liability coverage. Product liability provides coverage for the products that you sell, but didn't make. If a customer were to buy faulty products from your store that caused that person to get injured or their home to be damaged, you are responsible. Product liability will cover financial protection if such a claim were to be filed.
Commercial Auto Insurance - Any transportation you or your employees need to make, whether it be for business errands or deliveries, should be covered under business auto insurance. This type of coverage includes property and vehicle damage and bodily injury protection. This coverage also usually includes auto theft and vandalism.
Commercial Property Insurance - Glass business property insurance is used to cover your property and its contents in the event that damage occurs. This includes coverage for natural disasters and other extreme weather conditions. Natural disasters, like an earthquake, have the potential to destroy all of your glass inventory. Make sure this coverage is included with your glass installation, repair & replacement coverage policy.
Cyber Liability Insurance - If your glass business has a website or sells glass products online, you need cyber protection. You will want to make sure that your Illinois glazier and glass installer insurance includes coverage against cyber-crimes. Cyber-crimes can include fraudulent activity, web viruses and other illegal activities that often occur on the web.
Workers Compensation - Due to the nature of your business, your employees are at a higher risk for injury. Workers comp coverage pays for medical and surgical costs related to a work injury and also covers lost wages for the injured employee.
Illinois Glazier's And Glass Installer's Risks & Exposures
Premises liability exposures are limited at the glazier's office due to lack of public access. Off-premises exposures at the job site can result in bodily injury to customers, passersby, and employees of other contractors or property damage to property of others, especially if glass is installed above ground level. Hazards include falling tools, glass, or other items.
Products liability exposure may result from faulty installation or faulty fabrication of the glass. The severity potential increases with the height of the exterior installation as falling glass can result in severe bodily injury or death.
Workers compensation exposures arise most often from cuts, which can happen throughout the entire glazing process. Burns and welding injuries may occur while cutting glass. Installation exposures are light for interior work, although strains and even repetitive motion injuries are possible. With work at heights on ladders or scaffolds, the hazards can be severe due to the potential for injury from falling or being struck by falling objects.
Back strains, hernia, and other lifting losses, slips and falls, eye injuries, and exposure to dust and chips during cutting are common. Protective equipment should be provided.
Property exposures consist of an office operation and material, equipment, and vehicle storage. Combustibles include the materials used to package and protect the glass for transport. Ignition sources include electric wiring and equipment, heating and air conditioning systems, welding operations (if cutting and welding are done on premises), and chemicals and flammables used to cut, polish, laminate, tint, or bend the glass. These operations should be conducted separate from storage areas. In the absence of well-maintained dust collection systems, cutting and buffing operations can generate dust which can catch on fire.
Crime exposure is primarily from employee dishonesty and theft of money and securities. Background checks should be conducted on all employees. There must be separation of duties between persons handling deposits and disbursements and handling bank statements.
Inland marine exposure is from accounts receivable if the glazier offers credit, computers, contractors' tools (including employees' tools used for glass cutting and installation), goods in transit, and valuable papers and records for customers' and suppliers' information. Glass plate is highly susceptible to breakage, scratching and marring. Drivers must be trained in proper loading and tie-down of the glass since any accident is likely to result in a total loss.
Commercial auto exposures are high due to the pickup and delivery of glass. The transport vehicle is of an unusual design as glass plates must be kept upright during travel. Training in the handling of the vehicle is important. Any emergency repair services offered may result in time pressures, as well as travel in unfamiliar areas. Drivers should have an appropriate license and an acceptable MVR. All vehicles must be well maintained with documentation kept in a central location. If vehicles are provided to employees, there should be written procedures regarding personal use by employees and their family members.
IL Glass Installation, Repair & Replacement Coverage
Insurance for your glass dealership is complex due to the nature of your business. Making sure your glass business has the proper glass installation, repair & replacement coverage is crucial in the protection of your business and your employees.
When looking for the right broker to handle your glaziers insurance in IL, it is important that you choose an agency who takes the time to gets to know your business and its specific coverage needs.
Illinois Economic Data & Business Insurance Requirements
For moguls who are thinking about conducting business-related affairs in Illinois, it's important to have an understanding of the state's economic outlook. It's also a wise idea to familiarize yourself with the regulations regarding IL commercial insurance.
Here we provide some insight regarding the data that pertains to economy of Illinois. We also provide a brief overview about the types of commercial insurance coverage business owners are required to invest in, or should invest in, even if it isn't mandatory.
Business Economic Trends In The State Of Illinois
According to several reports that compile the economic data for each of the 50 states and compare that information to the national average, Illinois isn't in the best position. While there has been some improvement, the gains have only been slight. Income and employment rates have risen, and the housing market has increases; however, the gains in these areas have been minimal, especially when compared to the gains that other states have experienced.
While the unemployment rate has improved, falling to 4.8 percent in 2017 after it was stuck at a rate of almost 6 percent in 2016 and 2015, it appears that in reality, the IL labor force and employment gains are contradicting. In 2018, tens of thousands of people fell out of the state's labor force.
Looking to the future, it is predicted that while the employment rate in Illinois will grow, the rate at which it will grow will be much lower than the national average. Currently the projected annual job growth of the state is .5 percent. Following are some of the largest industries in IL.
- Service Industries
Illinois Commercial Insurance Regulations
The Illinois Department of Insurance regulates insurance in IL. Businesses are required to carry workers compensation insurance. Workers comp is mandatory for any business that employs either an hourly or a salaried workforce, even if that workforce is just one person. Organizations are also required to carry IL commercial auto insurance if they use vehicles for any business-related reasons, such as deliveries, transport, or client visits.
General liability insurance is not required, nor is commercial property insurance; however, it is a wise idea for companies to invest in this type of coverage, as it will safeguard from lawsuits or losses that their properties could sustain.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Builders Risk
- Cable And Satellite TV Installer
- Concrete Contractors
- Contractor Liability
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Excavation Contractor
- Fence Installation
- Fire & Water Restoration Contractors
- Flooring Contractor
- Framing Contractor
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- House Cleaning
- HVAC Contractor
- Janitorial Cleaning Services
- Lawn Care
- Masonry Contractor
- Plastering And Stucco Contractor
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Security Alarm
- Siding Contractor
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Swimming Pool Contractor
- Tree Trimming
- Upholstery Shop
- Welding Contractor
- Wildlife & Pest Control
- Water Well Drilling
- Window Cleaning
If a contractor wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Many contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms. However, for those larger contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them.
Contractors use their vehicles to get to and from their workplaces and jobsites. They also use vehicles to transport equipment and inventory to those locations. It is important to cover the liability of these vehicles for injury or damage they may cause, as well as to provide coverage for damage to the vehicles themselves.
Employers are required to provide coverage for injuries sustained by their employees while on the job. Contractors must comply with these requirements but some try to avoid them by hiring subcontractors. These subcontractors may actually operate and qualify as employees. The relationship between a contractor and its subcontractors must be carefully evaluated in order to determine if workers compensation coverage is still needed.
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