Glazier And Glass Installer Insurance Policy Information
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 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.
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.
Below are some answers to commonly asked glazier and glass installers insurance questions:
- What Is Glazier And Glass Installer Insurance?
- How Much Does Glazier And Glass Installer Insurance Cost?
- Why Do Glaziers And Glass Installers Need Insurance?
- What Type Of Insurance Do Glaziers And Glass Installers Need?
- What Does Glaziers And Glass Installers Insurance Cover & Pay For?
What Is Glazier And Glass Installer Insurance?
Glazier and glass installer insurance is a type of insurance policy designed specifically for businesses that install, repair, and replace glass products in residential and commercial properties. It covers a wide range of potential risks associated with this line of work, including property damage, bodily injury, and liability claims that may arise during the course of a job.
The coverage typically includes protection for the cost of repairs or replacement of damaged glass, as well as any medical expenses incurred by a third party as a result of an accident or injury that occurred on the job site. Additionally, the policy may provide coverage for loss of income or business interruption in the event that a business is forced to temporarily close due to damage from a covered event.
How Much Does Glazier And Glass Installer Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small glaziers and glass installers ranges from $37 to $49 per month based on location, size, payroll, sales and experience.
Why Do Glaziers And Glass Installers Need Insurance?
As a glazier or glass installer, you are exposed to a variety of potential risks and liabilities every day. Insurance is crucial in protecting you and your business against potential losses and expenses that may arise from:
Property damage - Damages to the building or property during installation or repair work can result in large expenses. Insurance can cover these costs and help you avoid financial loss.
Personal injury - If a worker or customer is injured on the job, liability insurance can help cover medical expenses and legal fees.
Product liability - If a defect in the glass or window installation causes property damage or personal injury, product liability insurance can help cover the cost of repairs or settlements.
Equipment damage - Glass installation equipment can be expensive to replace, and insurance can help cover the cost of repairs or replacements if it is damaged or stolen.
Business interruption - If a fire, storm, or other event causes your business to shut down temporarily, insurance can help cover lost income and expenses during the downtime.
Overall, insurance helps provide peace of mind and financial security for glaziers and glass installers in case of unexpected incidents, allowing them to focus on their work and continue growing their business.
What Type Of Insurance Do Glaziers And Glass Installers Need?
Your glass business is exposed to many risks on a daily basis. There are several different 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 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.
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.
What Does Glaziers And Glass Installers Insurance Cover & Pay For?
Glaziers and glass installers may face legal action for a variety of reasons, including:
Property damage: If a glazier or glass installer accidentally damages property while installing or replacing glass, the property owner may sue them for damages.
Personal injury: If someone is injured due to the actions of a glazier or glass installer, such as a piece of glass falling and causing injury, they may file a lawsuit against the installer.
Breach of contract: If a glazier or glass installer fails to complete a job as promised or does not meet the agreed-upon specifications, the client may sue them for breach of contract.
Product liability: If the glass or installation products used by the glazier or glass installer are defective or cause injury, the installer may be held liable for damages.
In each of these cases, insurance can provide financial protection for glaziers and glass installers facing legal action. By having the appropriate insurance coverage in place, these professionals can focus on their work with the peace of mind that they are protected from financial losses associated with a lawsuit.
Commercial Insurance And Business Industry Classification
- SIC CODE: 1793 Glass and Glazing Work
- NAICS CODE: 238150 Glass and Glazing Contractors
- Suggested Workers Compensation Code(s): 5462 Glazier - Away From Shop & Drivers
1793: Glass and Glazing Work
Division C: Construction | Major Group 17: Construction Special Trade Contractors | Industry Group 179: Miscellaneous Special Trade Contractors
1793 Glass and Glazing Work: Special trade contractors primarily engaged in glass and glazing work. Establishments primarily engaged in the installation of automotive glass are classified in Services, Industry 7536.
- Glass installation, except automotive-contractors
- Glass work, except automotive-contractors
- Glazing work-contractors
Glazier And Glass Installer Insurance - The Bottom Line
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, it is important that you choose an agency who takes the time to gets to know your business and its specific coverage needs.
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
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tank Cleaners
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
- Specialty Contractors
The contracting industry is a field that involves a lot of risks, both for the contractor and for the clients they work for. This is why commercial insurance is so important for contractors. Insurance can protect contractors from a variety of potential losses, such as:
Liability: If a contractor causes damage to a client's property or if a client is injured while on a job site, the contractor could be held legally responsible. Liability insurance can cover legal fees and any settlements or judgments that may be awarded.
Property damage: Contractors often use a lot of expensive equipment and tools, and there is always a risk that this equipment could be damaged or stolen. Commercial property insurance can help cover the cost of replacing damaged or stolen equipment.
Business interruption: If a contractor is unable to work due to an unforeseen event, such as a natural disaster, insurance can help cover their lost income during this time.
Workers compensation: If a contractor or one of their employees is injured on the job, worker's comp can help cover medical expenses and lost wages.
Overall, commercial insurance is an important risk management tool for contractors. It can provide financial protection against a wide range of potential losses, helping contractors to stay in business and continue serving their clients.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.