As a glazier or glass installer, you are well aware of the risks and exposures that come with your work. From handling fragile glass to working at heights, there are many potential hazards you face on a daily basis. That’s why it’s important to protect yourself and your business with glazier and glass installer insurance.
Who Needs Glazier And Glass Installer Insurance?
Any individual or business that works with glass, including cutting, fitting, and installing, should have glazier and glass installer insurance. This includes businesses that specialize in commercial or residential glass installation, as well as independent contractors who provide these services.
Types of Insurance Needed by Glazier And Glass Installers
There are several types of insurance that glazier and glass installers should consider, including:
1. General Liability Insurance: This type of insurance protects your business from claims related to property damage or bodily injury caused by your work. For example, if you accidentally break a window while installing it, general liability insurance can cover the cost of repairs or replacement.
2. Professional Liability Insurance: Also known as errors and omissions insurance, this type of coverage protects you if a client claims that your work was done incorrectly or caused damage. For example, if a customer claims that your glass installation caused water damage to their property, professional liability insurance can cover the cost of repairs.
3. Workers’ Compensation Insurance: If you have employees, workers’ compensation insurance is required by law in most states. This coverage provides benefits to employees who are injured or become ill as a result of their work.
4. Commercial Auto Insurance: If you use a vehicle for business purposes, such as transporting glass or tools, you’ll need commercial auto insurance. This coverage provides protection for accidents and damages that occur while using your vehicle for work-related purposes.
How Much Does Glazier And Glass Installer Insurance Cost?
The cost of glazier and glass installer insurance depends on several factors, including the size of your business, the type of work you do, and the amount of coverage you need. Generally, you can expect to pay anywhere from a few hundred to several thousand dollars per year for insurance coverage.
Glazier And Glass Installer Risks & Exposures
As a glazier or glass installer, you face several risks and exposures in your work. Some of the most common risks include:
- Glass breakage: When handling and installing glass, there is always a risk of breakage. This can cause property damage or bodily injury to yourself or others.
- Falls: Working at heights is common for glaziers and glass installers, which increases the risk of falls and injuries.
- Property damage: If you damage a customer’s property during installation, you may be held liable for the cost of repairs or replacement.
- Incorrect installation: If your installation is done incorrectly, it can cause property damage or bodily injury to others.
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
Glazier And Glass Installer Insurance – The Bottom Line
As a glazier or glass installer, it’s important to protect yourself and your business from these risks and exposures with the right insurance coverage. By investing in glazier and glass installer insurance, you can have peace of mind knowing that you are covered in case of accidents or claims, and you can focus on developing your business.
When shopping for insurance, it’s important to work with an experienced agent who understands the unique risks and needs of your business. They can help you find the right coverage at a price that fits your budget. You can easily find such an expert in General Liability Insure – just ask us for a quote!