February 14

What To Look For In Liability Coverage For Glaziers

Glass manufacturers, dealers, and installers, work in a very unique industry that has some very unique needs in the realm of insurance coverage. The exposures of glass workers are not very similar to the exposures of other artisan workers like, plumbers, electricians, and HVAC specialists. This being the case, it’s important for glass manufacturers, installers, and dealers to find a program that is designed with glass workers in mind and not just a general artisan policy that has been retrofitted as a form of “coverage”.

GlassPro, one of the most comprehensive insurance programs available for glass manufacturers, dealers, and retailers, is designed with a number of special coverages tailored to the industry.

It’s imperative to be aware of the exposures that glaziers face in their line of business in order to find a program that fits the best. The following excerpt from USGlassMag.com gives some great examples of risk that a glazier should be keeping in the back of their mind.

Before paying for the insurance there are a couple of things to consider as a glazing subcontractor, Keen says. “First, the glazing sub has general liability insurance that will cover bodily injury or property damage due to an improper design of that glazing contractor,” he says. “In that regard, the risk to the glazing contractor is minimized. However, there is exposure if an owner were to discover later that the project material provided does not meet the function intended, whereby economic loss might be incurred due to ‘loss of use’ of property during rework.” That is not covered by general liability insurance, he says. “If a glazing contractor develops plans and specifications for his materials then he will have exposure, and the general contractor will try to make sure that the glazing contractor assumes that risk.”

Sahely Mukerji
http://www.usglassmag.com/contractglazing/2011/11/30/how-to-handle-liability-insurance-for-contractors/

The message Sahely is trying to deliver here is important to remember. Simple liability coverage won’t be enough to keep the business protected. Should a glazier get into a situation similar to the one written above, where project material provided is the wrong kind for the intended function, general liability will not cover the claim.

Scenarios like this are the types of things that glaziers needs to keep in mind when in search of coverage. They will not be covered by general liability, but typically will be covered by a customized program designed for glaziers.

For more information visit GlassPro.

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