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Glass glazing contractors tend to work with sharp objects and well above ground on a daily basis. The nature of the job carries a great degree of risk, which requires all glass glazing contractors to take out the necessary insurance policy to keep the staff, business, and client protected.
But, before we get into the different types of glass glazing contractor’s insurance policies you should take out, let’s first talk about why you need an insurance policy in the first place.
Why Do Glass Glazing Contractors Need Insurance?
In many instances, state law requires glass glazing contractors to have a certain degree of cover. Even if that's not the case for you, it's always a good idea to cover your business against the risks that you and your staff face on a daily basis.
As glass glazing contractors tend to deal with sharp objects such as glass and are normally required to work above ground - this carries an inherent risk that can lead to unpleasant accidents and injuries.
In other cases, damage to property and material (the glass) can also lead to claims from the client's side, which in most cases will require financial reimbursement.
As a general rule of thumb, having the right insurance policies in place for your glass glazing business is a great idea so when accidents do happen, they can be resolved quickly and effectively.
What Types of Insurance Do Glass Glazing Contractors Need?
There are a few different types of insurance policies that glass glazing contractors need. These will depend on the size of the company, the number of employees and company vehicles, type of clients the business deals with, the state that the business is registered in, and more.
Please take a moment to review some of the most recommended insurance policies for your industry below.
How Much Does Glass Glazing Contractors Insurance Cost?
The price of glass glazing contractors' insurance varies from company to company. Contractors working in high-risk areas may need to pay a bit more for workers' compensation and general liability insurance.
For example, your insurance will be higher if your staff work on skyscrapers and tall buildings as opposed to bungalows as the risk is a whole lot higher.
Either way, on average, you can expect to pay between:
- $700 and $1,400 annually for general liability policies
- $1,000 and $4,000 for worker's compensation insurance every year
- $1,000 and $2,000 on commercial auto insurance per year
- $200 and $250 on contractor’s tools and equipment insurance per year
- $300 and $500 for professional fee insurance every year
Typical Glass Glazing Contractors Insurance Claims
The typical glass glazing contractor's insurance claim is usually related to property damage or bodily injury.
In more rare cases, glass glazing contractors can also get in disputes with customers who won't pay or even road accidents.
When you have a glass glazing contractor's insurance, you, your staff, clients, and business as a whole will be covered no matter the accident or who is at fault.