The sound of breaking glass – it’s something probably no one wants to hear, least of all if you are a glazier.
Working with glass of course carries its dangers – it is a strong, yet brittle material and breakages have the capacity for inflicting quite serious injury and damage.
These risks are likely to be multiplied several times over, of course, if you are also working at heights – as many glaziers and glass fitters are of course required to do.
Accidents involving glass not only have the capacity for inflicting injury on you, your employees, customers or members of the public, they may ultimately cost your business considerable sums in the compensation you are ordered to pay if and when things go wrong.
Glaziers' insurance is designed to reduce the financial impact of those claims, providing you with the wherewithal to meet them, together with the legal costs involved in defending allegations of your liability.
The insurance is versatile and flexible so that it may suit all manner of glaziers’ businesses, including your own.
Why choose us for your cover?
- Whether your work is domestic, commercial or a mixture of both, we are able to find the cover to suit thesebusiness needs
- In addition to any liability cover, we are also able to arrange cover for your tools and materials
- We have been in the business of arranging and servicing the insurance needs of small businesses such as yours since 1990.
- Policy excesses may be as low as just £100
Managing your liabilities with glaziers’ insurance
Probably the most significant aspect of glaziers’ insurance is the protection it provides against the liabilities you face in your chosen trade.
To all intents and purposes, the liabilities are inescapable. What glaziers’ insurance is able to do, however, is to prevent the cost of claims arising from those liabilities from threatening the very existence and financial viability of your business.
Why you might want to protect your public liability
However carefully you are working, however many years of experience you have under your belt, accidents may still happen. The brittle nature of glass, its weight and the very sharp edges it has when broken makes it a potentially very dangerous material.
It might cause significant injuries and damage over a wide area if it is broken or falls from any height.
As the glazier concerned, you may be held responsible for any injury or damage caused to your customers, their friends or visitors, neighbours or even general members of the public. You might be considered to be in breach of what lawyers call your “duty of care” – a general duty to ensure that nothing you do, or fail to do, in your work as a glazier ends up injuring someone else or causing damage to their property.
If this does happen, and you are found to be in breach of that duty of care, you may be ordered to pay any injured party damages. And those damages – especially in the case of personal injury – may be considerable.
For that reason, public liability insurance typically offers a minimum of £1 million indemnity.
Employers’ liability insurance is likely to be a choice taken out of your own hands
If you employ anyone else to help run your glazing business, you have no choice but to arrange employers’ liability insurance – the Employers’ Liability (Compulsory Insurance) Act of 1969 requires it.
Not only does the law require that you have such cover, it demands that you have a minimum of £5 million of indemnity. This is so that any employee who succeeds in a claim following their injury or illness through working for you is assured of receiving the compensation to which they are entitled.
So insistent is the law that you have this form of protection in place, that you may be faced up to £2,500 for every day that you fail to arrange employers’ liability insurance.
Whilst the law requires cover of at least £5 million, the policies we arrange here at constructaquote.com extend to a particularly generous £10 million of cover as standard.
Why you might also want contractors all risks insurance
When you are running any kind of glazing business, you are inevitably travelling from one site to another to fulfil a domestic or commercial project.
Essential travel such as this, together with your work itself, runs the risk of valuable tools, equipment and materials being stolen or otherwise lost or damaged. These are likely to be costly to repair or replace.
Contractors all risks insurance is deigned to safeguard your investment in such items and to provide you the funds necessary for their repair or replacement in the event of theft, loss or damage.
Don’t also forget the need for your commercial vehicle insurance, which we at constructaquote.com will be very happy to help you with.