Because working with glass involves a high risk of injury, glaziers’ insurance policies cover a wide set of potential circumstances, ensuring you, your business, and your employees are all protected in case accidents and injuries occur. And we all know accidents do happen. A comprehensive glaziers’ insurance package includes:
- Contractors’ general liability.
- Workers’ compensation.
- Commercial auto.
- Commercial property.
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What Is Glazier Insurance?
Basic contractors’ general liability might not cover the full costs of a claim. The costs can quickly mount up if you don’t have adequate insurance coverage.
Glazier insurance packages group the relevant liability coverage insurance policies together to ensure you have the right coverage for your glaziery business.
Each state has its own laws for whether businesses must be insured and how much insurance they must carry. Be sure to check state laws for compliance. Or better yet, work with a Contractors Liability insurance agent, who knows what they’re doing.
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How Much Does Insurance Cost For Glaziers?
Your business is unique and so is your coverage. Insurance policy coverage is customized to match the scope of your work and your individual business requirements. Premiums for glaziers’ insurance packages can start from as little as $37 per month for small business owners, but the exact cost of your insurance will be determined by factors such as:
Location: Prices will vary in different markets because the risk is greater, for example in Manhattan, New York than in Hamilton, Ohio.
- Specific services offered
- Payroll and revenue estimates
- Policy limits
- Crew size
Quality also matters. When you need it, you want your certificate of insurance to be worth more than the page it’s printed on. You want reliable insurers with a reputation for service. Contractors Liability works exclusively with A-rated insurance companies to deliver on every level.
Why Do You Need Glazier Insurance?
Because glass is both heavy and fragile, glaziers have a particularly dangerous job. Injuries are common and can be severe. It’s impossible to predict every possible risk.
Your workers could be installing glass in a second-story window when a baseball comes out of nowhere, shattering the glass.
Your worker is badly cut and falls off the ladder, where he lands on the homeowner who is watching from the ground. Two people are hurt, glass shards litter the lawn, and the house has a window out.
What Does Glazier Insurance Cover?
Glazier insurance coverage is packaged to cover everything and everyone at the job site. With the right coverage, you’ll be covered for:
Third party bodily injury
If anyone is hurt who is not your employee, you’re protected.
Your workers are the heart of your business. Workers Compensation insurance covers medical payments and lost wages for workers hurt on the job.
Third party property damage
If anything on the property where your crew is working is damaged, you’re covered.
If your work vehicles are damaged, you’re covered.
Legal defense costs
If your business is sued, you’re insured for court costs and defense costs, but punitive damage awards may not be covered.
The Main Types Of Business Insurance For Glaziers
Each type of insurance policy covers a different set of specific circumstances, which is why they’re kept separate.
General Liability Insurance
General Liability insurance covers costs related to claims made by your client or a third party for property damage or bodily injury. For example, you’re replacing a window on the second floor, and one of the straps holding the window breaks. The window falls, crashing down onto your client’s car, or worse, onto a person.
Your general liability insurance provider covers the repair/replacement costs of the car or any other damaged property and any medical bills related to the claim. General liability insurance also covers advertising mistakes, harm to reputation, and damage done to property you rent.
Workers Compensation Insurance
Workers Compensation insurance covers your employees’ costs if they have a work-related injury or illness. Using the above scenario, if, as the window fell, your employee got injured, spent some time in hospital, and couldn’t work for a few months, your workers’ comp insurance will cover their medical expenses and provide wage replacement benefits for the time they can’t work.
Commercial Auto Insurance
Transporting glass requires your vehicle to have specialized equipment, but even that won’t protect your vehicle if it’s involved in a collision. Commercial auto insurance covers the cost of damages or collisions to your business vehicles and medical expenses for injury to drivers or occupants of your business vehicles.
In addition, it covers any third party sustaining accidental injury or damage caused by your vehicle or the driver of your vehicle. Commercial auto insurance also covers damages and injuries sustained by occupants of your business vehicles due to the negligence of an uninsured or underinsured motorist.
Commercial Property Insurance
Commercial property insurance is designed to protect your company’s physical assets such as buildings, equipment, and tools from the financial cost of repairing damage caused by fire, explosions, burst pipes, storms, or other catastrophic events. Theft and vandalism are also typically covered.
Having commercial property insurance in place means you’re covered against the high cost of replacing specialist equipment in the aftermath of a disaster.
Frequently Asked Questions (FAQ)
The following are common questions about Glazier Insurance.
Contractors Liability is an independent agency that gathers multiple insurance quotes from a range of top insurance companies to find you the very best deal to suit your business needs at an affordable price.
Get in touch today and have the peace of mind that comes with knowing your insurance is taken care of and your business is protected.
Contractor’s Liability understands the complexities of putting together the right coverage for your glazier business. We understand the industry risks, and we know how to find the coverage that keeps your business safe. Here’s a quick word from others who’ve come to understand the importance of proper glazier coverage.
Our customers trust us for great customer service and cost-effective coverage.
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