As a glazier, you know your trade is all about precision, skill and handling materials.

It's high-risk work. You deal with breakages, injuries or property damage.

Amid these risks and challenges, Glazier Insurance offers you peace of mind so you can focus on the job. 

However, there’s a lot of confusion about what Glazier Insurance actually covers and why it matters.

We’re here to set the record straight and bust the top five myths about Glazier Insurance. 

Myth 1: “All Business Insurance Covers Glaziers the Same Way”

Many glaziers assume a standard Business Insurance policy will cover their specific needs. 

Wrong! 

Glazing involves unique risks that generic policies often miss, be it handling fragile glass, working at heights and using sharp tools. 

Tailored insurance is critical for high-risk industries, such as glazing, where a single mishap can lead to costly claims.

Here’s why a tailored policy matters to you:

• Public Liability Insurance: Covers claims if your work accidentally damages a client’s property or causes injury to someone. 
  
  For example, if a glass pane shatters and scratches a client’s car, this could cover repair costs.

• Tools and Equipment Insurance: Replaces or repairs stolen or damaged tools which can cost you thousands.
  
  This has become more important than ever as tool theft is on the rise.

• Glass Breakage Cover: Specifically covers the cost of replacing broken glass which can be a significant expense given the high cost of materials.

Customising your policy to fit your glazing business is critical. Doing so ensures you’re not left exposed because, admittedly, there’s no one-size-fits-all plan.

Myth 2: “Insurance Is Too Expensive for Small Glazing Businesses”

The idea that insurance is a luxury for big businesses is a common misconception. 

In reality, Glazier Insurance can be affordable depending on your business size and coverage needs. 

Compare that to the cost of replacing a $2,000 glass pane or covering a $10,000 liability claim out of your own pocket.

It can be a smart investment choice.

What affects the cost, anyway?

• Business Size: Sole traders pay less than businesses with multiple employees.
  
  
• Claim History: Fewer past claims can mean lower premiums.
  
  
• Coverage Level: Higher coverage limits increase costs but offer more protection.

Insurance brokers help you find competitive quotes from trusted insurers. This helps small businesses like you to save money while making sure you’ve got the right coverage. 

Plus, many insurers offer flexible payment plans (e.g., monthly instalments) to ease cash flow.

Myth 3: “I Don’t Need Insurance If I’m Careful”

No matter how skilled or cautious you are, accidents can happen. 

After all, glaziers face numerous risks including cuts from sharp glass, falls from heights, and injuries from heavy lifting. 

In fact, according to Safe Work Australia, falls from heights account for 15% of worker fatalities while 80% of serious claims are caused by body stress, falls, slips and trips, being hit by moving objects, or mental stress.   

Even a small mistake, say, leaving a tool where a client trips over it, could lead to a costly lawsuit.

Getting suitable insurance doesn’t mean you doubt your skills. It’s about being prepared. 

For instance:

• Workers’ Compensation: Covers medical bills and lost wages if you or an employee get injured. It’s often required in most Australian states if you have staff.
  
  
• Personal Accident Insurance: Provides income support if you’re injured and can’t work, even as a sole trader.
  
  
• Contract Works Insurance: Protects ongoing projects from risks, such as theft or accidental damage.

Myth 4: “Insurance Won’t Cover Pre-Existing or Completed Work”

Some glaziers think insurance only covers new projects and not past or ongoing work. This is not true. 

While policies typically don’t cover pre-existing structures from before your project started, many include Products and Completed Operations coverage. 

This protects you if a completed job or project (e.g., a skylight installation) later causes issues like a leak damaging a client’s ceiling. 

This coverage is crucial for glaziers, as clients often require proof of insurance to hire you.

What’s covered?

• Damage caused by your completed work, say, a window frame failing.
  
  
• Legal costs if a client sues over faulty installation.

Myth 5: “Getting Insurance Is Too Complicated and Time-Consuming”

Many glaziers avoid insurance because they think it’s a hassle to arrange. 

That’s no longer the case! 

Insurance brokers, like us at Tank Insurance, can help you find tailored insurance solutions that match your risks as a glazier. 

Brokers make it even simpler by doing the legwork for you, whether it’s assessing your risks, finding the right policies or handling claims if needed.

Here’s how insurance brokers streamline the process to make things easier for you:

1. Assess Your Needs: Insurance brokers discuss your business size, projects and risks.
   
   
2. Compare Quotes: Brokers  source options from trusted insurers, saving you time.
   
   
3. Tailor Coverage: Brokers ensure your policy fits your specific needs, from Public Liability to Tool Insurance.
   
   
4. Ongoing Support: Insurance brokers keep you up-to-date about claims or policy changes, so you’re never stuck. 

Work with Tank and Get Covered Today

As insurance brokers, we understand the local glazing industry and its challenges, from working on high-rise buildings to handling delicate residential projects. 

We’re your advocate, finding policies that match your budget, risk level, and needs. 

Whether you’re a sole trader or running a larger glazing business, we’re here to simplify insurance and keep your business protected.

Get in touch with us now to explore your options or visit our website to learn more. 

Let’s ensure your business is covered, so you can keep creating stunning glass work without worry.