Commercial industry

Glass and Glazing Contractor Insurance

Glaziers install the thing people walk into and the thing that fails in a windstorm. The file is contractor general liability with real completed-operations, an installation floater for glass sitting on a job or in a rack on the truck, commercial auto, and a license bond. A handyman policy or a carpenter class that never mentioned glass is the wrong chassis. Glass in your care is inland marine, not “tools.”

We place commercial and mixed glazing contractors — storefronts, interior glass, mirrors, shower enclosures, and replacement windows as a trade. We do not write high-rise curtain-wall as a silent add, and we do not write auto glass as a body-shop surprise. If you are a window dealer who rarely installs, start on retail or wholesale. If you set glass for a living, you are here.

Completed-operations is the claim: a storefront that leaks, a shower pane that fails, a door that does not meet code. Additional-insured and primary-and-noncontributory wording are what GCs and property managers put in the exhibit. We read the exhibit before we bind. Products coverage matters if you fabricate as well as install.

The installation floater covers glass and frames at the job, in transit, and in a staging warehouse. A $5,000 tools limit will not replace a truck rack of tempered lites. We schedule rented suction equipment and a boom or lift the rental contract makes you primary for. Commercial auto covers the glass racks; a overloaded rack is a underwriting fact, not a joke.

Washington crews stay with L&I. We place stop-gap and private WC for Oregon, Idaho, and the other competitive states we serve. We will not tell a Tukwila glazier that a private policy replaces L&I. Surety — license bond first — should be on the same desk as the GL so the registration and the certificate match.

General contractors, carpenters, and tile contractors are the related pages. If you also do storefront metal as a sheet-metal trade, see sheet metal and we will split the receipts. Roofing is not this page and is not a class we feature.

Risks we actually schedule

  • Completed-operations leaks, breakage, and code failures after punch list.
  • Breakage of glass in transit or on a job — installation floater, not GL.
  • GC additional-insured wording a basic certificate does not meet.
  • L&I in Washington and private WC on out-of-state jobs.

Frequently asked questions

Is glass on the truck covered by GL?

No. GL is injury and property damage to others. Your glass is an installation floater. Break a lite on I-5 and GL will not buy a new one.

We only do interior mirrors and showers. Still a contractor?

Yes. Interior glass still has completed-operations and a license-bond story. The appetite is often cleaner than storefront — tell us the split.

Do you write high-rise curtain wall?

That is a heavier contractor file. Disclose height and the GC structure. We will not code a curtain-wall book as “interior glass” to sneak it onto a small-trade form.