why you need Glass Insurance
Commercial glass is a very different proposition than the kind you might see in your own home. It will often be at the front of a store and in highly accessible places. If it is broken, it may cost thousands of pounds to repair and with many businesses operating on slim profit margins that might be money it doesn’t have. In addition to the glass you will have on your shopfront, your window frames and contents of your display windows could be damaged in the event that glass is broken. You also need to consider the cost of boarding up while you wait for the glass to be replaced.
Glass insurance is therefore an essential cover for any retailer. It protects your business against considerable losses and helps you repair the look of your shop as soon as possible. At Brisco Business we can help you compare policies to find the right type of glass insurance for your business.
Compare quotes with Brisco Business now and find a policy with covers to meet your needs.
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Isn’t glass insurance covered as part of my buildings insurance?
Most buildings insurance policies will include glass cover but if you are a tenant and the building is insured by your landlord, you may want to consider insuring the glass under your own policy. This will be essential if you have installed the shop front yourself as part of a premises fit out.
What level of glass cover will I need?
It all depends on the type of business you run. If you have a shop with a large glass front, it will be essential. Not only are you opening yourself up to considerable losses if the glass is damaged, but it could ruin the look of your shop. People are much less likely to enter a shop which looks damaged or in poor condition. The resultant loss of business will not be possible to insure against. Having a good insurance policy in place, therefore, allows you to get your shop open as soon as possible. Consider the replacement cost of your shop front and the cost of the contents in your display windows and make sure your policy provides adequate cover to replace these.
Are there any exceptions to glass insurace?
All insurance policies will have exceptions and exclusions. Different insurers will take their own approaches to what they are willing to insure. It’s a good idea to check what types of damage you will be covered against. For example, you should make sure accidental and criminal damage is included. They may also have an upper limit beyond which they are not willing to provide cover. If you have a substantial claim, they may not cover anything beyond this limit. When you compare policies with Brisco Insurance you will be presented with different options from different insurers and you can review the policies and choose the one which is most suitable for you.
What does glass insurance cover?
Glass insurance will cover you if your shop front glass is damaged, such a shop window. Replacing this glass could set your business back thousands, which may be money you just don’t have. But by having glass insurance, we cover these replacement costs so you don’t have to. You will also have cover for other fixed glass in your business such as display stands and cabinets. Accidents happen so it is always good to know you are protected