Learn more about this part of Commercial Property insurance, its cost, and which type of business could benefit from it most.
Plate glass insurance coverage is a part of commercial property insurance that could help pay for broken storefront windows after a storm, robbery, vandalism or some other covered accident. It also may help cover the cost of boarding up the window until the repair is complete. Because plate glass is expensive and a missing storefront window can be a major disruption to a business, this coverage could help business owners get back to normal business operations quickly.
Jump ahead to learn:
Plate glass insurance coverage is typically included in a commercial property insurance policy. It can help cover damage to a business’s plate glass windows or storefront, provided certain conditions are met. It typically helps protect against accidental damage, but may not cover damage from storms or flooding.
While plate glass is common in commercial windows, business owners could also take out coverage for glass walls, doors or partitions.
In the event you need to file a claim for damages, your insurance company could help with the cost to board up the window and repair or replace it. Your coverage may also help with repairs to damaged window framing or signage. Depending on the policy, labor and installation costs may be included, too.
Plate glass insurance isn’t usually required by law. However, it may be mandatory under your commercial lease agreement. Landlords often require commercial property insurance. In some cases, they may ask for plate glass insurance as additional protection – especially if your business is in a high-traffic area.
Consider the cost of replacing your business’ plate glass and how that could affect your cash flow.
Plate glass insurance coverage could help business locations with large glass panes, such as:
It can also be a good fit for businesses where glass breaks most often, including:
The out-of-pocket cost to fix a broken window depends on many factors, including the size of the pane, the thickness of the glass, specialty tints and coatings, and the shape of the cut. For many businesses, insurance is a more affordable option than a sudden business expense.
Your business’ plate glass coverage cost can depend on variable like:
Plate glass coverage is usually included with your commercial property insurance, and it could help protect your business from some costs of repairs.
The best way to learn exactly what your business would pay for plate glass insurance is to get a free, no-obligation quote with ERGO NEXT.
To get plate glass insurance for your business, follow these steps:
First, look at your existing business insurance coverage. Review your policy to see if glass coverage is already there. If it’s listed, check if it covers storefront glass and if there are any policy limits.
If you don’t have coverage, seek out commercial property insurance that includes plate glass coverage to help protect your business.
Before you request a quote, do a little napkin math. Tally up the glass panes you need, as well as their size and thickness. Note if the glass is custom or standard and if there are any special features. Have you added lettering or logos to the glass? Is there a special tint applied?
With this info get a quote for plate glass coverage:
Once you have all the data in front of you, it will be easy to see if plate glass insurance is the right move for your business.
ERGO NEXT makes it fast, easy and affordable to protect your small business — and you can do it all online.
We’ll ask a few questions about your business and give you a quote. You can select your coverage options and buy your policy in about 10 minutes. Share your certificate of insurance at no extra cost, and you can access your policy 24/7 via web or mobile app.
If you have questions, our licensed, U.S.-based insurance professionals are available to help.
