Plate Glass Insurance

Shielding Your World: Plate Glass Insurance for Clear Protection
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What is Plate Glass Insurance?

Plate glass insurance is a specialised type of coverage that protects against the breakage of large glass installations in buildings, such as windows, doors, and display cases. This insurance is particularly relevant for businesses with storefronts or extensive glass structures, where the cost of replacement can be significant.

It typically covers the costs of repair or replacement of the damaged glass, and may include the labour costs involved. This insurance is often a separate section of cover from standard property insurance, as regular policies may not cover glass breakage comprehensively. It's essential for businesses seeking financial protection against accidental glass damage.

What's the difference between internal and external glass?

Internal Glass

Internal glass coverage refers to glass used within a building's interior. This includes items like glass partitions, mirrors, and glass in furniture or decorations. The focus is on protecting against damage to glass elements used in interior design and functionality, which may not be exposed to external risks but can be susceptible to breakage from internal activities or accidents.

External Glass

External glass coverage refers to glass elements that form part of the building's exterior, such as windows, external doors, and storefronts. This insurance is essential for guarding against damage from external factors like weather, vandalism, or accidents. It's particularly important for businesses or properties with significant external glass exposure, offering protection from a range of outdoor risks.

Why is Glass Insurance important?

Glass insurance is essential for financial protection, risk management, and business continuity. It covers costs of repairing or replacing broken glass, safeguards against various risks like accidents and vandalism, ensures compliance with your commercial lease and legal requirements, and enhances safety by promptly addressing broken glass hazards.

What's covered?

Breakage due to vandalism and malicious acts

Damage from accidental breakage or mishaps

Impact-related damage from objects or vehicles

Glass damage caused by severe weather events such as storms or hail

What other insurances do people purchase with glass insurance?

Glass insurance often complements other types of insurance to provide comprehensive coverage for a property or business. These can include some of below.

Property Insurance

Covers the building and its contents against risks like fire, theft, and natural disasters. Glass insurance adds an extra layer of protection specifically for glass elements.

Liability Insurance

In case broken glass causes injury to a third party, liability insurance can cover legal costs and damages. This is crucial for businesses that interact with the public.

Business Interruption

If glass damage leads to business downtime, this insurance helps cover lost income and operating expenses during the recovery period.


What does the term "excess free glass cover" mean in my policy?

Excess free glass cover means that if you need to make a claim for glass breakage, you won't have to pay any upfront excess, making the process smoother and more cost-effective for you.

How is glass insurance cost determined for fixed glass installations?

The glass insurance cost for fixed glass installations is calculated based on the size, type of glass, and the risk factors associated with your business's specific location and operations.

Does a business insurance package cover accidental glass breakage for items like fixed mirrors?

Typically, a comprehensive business insurance package will cover accidental glass breakage, including damages to fixed mirrors and other glass components.

Is there coverage for certain fixed glass features unique to my business?

There are. Talk to us and we can source coverage for certain fixed glass features that are unique to your business, ensuring that custom installations are adequately insured.

Are incidents like a broken computer screen automatically covered under my commercial lease agreement?

Unlikely. A commercial lease agreement will often require separate insurance policies to cover personal property, such as a computer screen, unless automatically covered by a broader policy.

Where can I find the product disclosure statement for my building insurance?

The product disclosure statement for your building insurance can usually be found on your insurer's website or can be provided by your insurance broker.

Are both internal and external glass included in glass insurance policies?

This depends on the policy. A glass insurance policy might allow you to select either internal or external glass or both.

What should I do if I have broken fixed glass at my business location?

In the event of broken fixed glass, contact your insurance provider or broker immediately to initiate a claim under your business insurance package for prompt glass replacement.

Can I get shop front insurance that covers both the glass doors and the roof?

Shop front insurance is designed to cover storefront components like glass doors, and it can be extended to include both the roof and other structural elements.

Are non-standard items like ceramic toilet pans included in business insurance policies?

Business insurance can be customised to include non-standard items such as ceramic toilet pans, depending on the nature of your business and the coverage you select.

How do I find trusted glass repairers for business-related glass damage?

Your insurer can provide a list of trusted glass repairers vetted for quality service, ensuring that your business premises are restored promptly and effectively after damage.

Is Monthly Payment an Option?

Yes, you can opt for monthly payments for your insurance premiums. We collaborate with a premium funder to facilitate this payment structure, making it easier to manage your cash flow while staying insured.

Disclaimer: The content provided on this page is for general informational purposes only and does not constitute explicit advice, endorsement, or recommendation. While we strive to ensure the accuracy and reliability of the information presented, no guarantees are offered. It is essential for users to seek individual guidance or consultation to address their specific needs and circumstances. We are not responsible for any direct, indirect, incidental, or consequential damages or implications arising from the interpretation or use of the information available on this page.