Commercial Glass
Insurance

The glass breakage section of an ISR policy provides dedicated cover for the accidental breakage of glass at your commercial premises. While glass damage can sometimes fall under the property damage section, a specific glass breakage extension is designed to pick up accidental breakage events that may not involve an external peril.

For retail businesses, hospitality venues, commercial offices and showrooms, glass is a prominent and expensive feature of the premises. A broken shopfront window not only creates an immediate security risk but also disrupts trade, affects your professional appearance and can be costly to replace - particularly for large, custom or specialty glass panels.

Glass breakage cover is designed to help you replace damaged glass promptly, so there's less disruption to trade, security and presentation while permanent repairs are arranged.

Glass breakage cover is designed for accidental and sudden breakage events. The following are commonly excluded:

• Scratching, chipping or cracking that does not result in full breakage of the glass
• Breakage occurring during installation, removal or alteration of the glass
• Damage to glass in buildings that are vacant or unoccupied beyond a specified period
• Glass in frames that are in a state of disrepair or deterioration
• Breakage caused by building settlement, expansion or contraction
• Damage to stock or contents behind or near the broken glass (covered under property damage)
• Glass breakage at premises undergoing renovation or construction works

It is worth noting that many insurers require you to maintain a schedule of glass items with their dimensions and type. Keeping this schedule up to date helps the claim process move faster if a breakage occurs, because the replacement cost is already agreed.