GLAZIERS INSURANCE
OUR EXPERIENCE WITH GLAZIERS
As you would expect, not every Insurer has an appetite to offer Insurance for Glaziers. Over time we have seen the installation of glass evolve from a basic domestic and quite uniform commercial installation involving a narrow range of products to a marketplace full of abundant designs and options now extending to full size wall panels many with an emphasis on thermal properties which makes this a significant investment, and for an insurer, a high-risk occupation.
It is important that you speak with one of our skilled Client Managers to ensure we understand your Business and Insurance needs and can source an appropriate Insurance solution.
ATLANTIC GLAZIERS INSURANCE SERVICES & ADVANTAGES
- Access to a Client Manager that has specialist knowledge and skills in arranging Insurance solutions for Glaziers
- Where possible, we find an onsite visit is better to understand your risk can be advantageous
- Monthly premiums available
- Access to a wide range of products and insurers for all classes
- Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre
GLAZIERS COVERAGE CONSIDERATIONS
In addition to the obvious need to provide Public Liability cover for a Glazier to protect against claims for a third party injury or property damage as a result of your negligence, consideration also needs to be given to vicarious liability which covers you for any conduct of your contractors or employees in carrying out work on your behalf. Care, Custody and Control is another inclusion especially important to a Glazier given the value of the items being installed. If you damage the glass owned by another party during the installation process, there is a potential avenue to claim under goods in your “Care Custody and Control”.
Often a Glazier will work from a business premise where they store and cut product to size. A Business Insurance Package can provide cover against Fire, Theft and Malicious Damage. If you do have a business premises our experienced Client Managers will work with you to formulate a range of coverage and excess options.
Trucks or Light commercial Vehicles and Trailers are often used by Glaziers to transport items to jobsites. The Vehicles and trailers are best covered under a commercial motor vehicle policy to avoid any implications in the case of a claim.
The glass and related items being transported can be covered under a Marine Transit Insurance Policy. This covers against damage as a result of fire, collision and overturning but can also extend to include loading and unloading, malicious acts and accidental damage. This policy can be structured to attach to a single shipment or can be an annual policy covering each transit for the 12 month period.
Other Insurances a Glazier could consider include Tools of the Trade covering ladders and scaffolds or Personal Accident and illness cover covers. Click below to find out more information on some of the common policies that we discuss with our Glazier Clients.
Income Protection
Insurance
Income Protection
Insurance
Your ability to earn an income is likely your biggest asset requiring protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.
Workers Compensation
Insurance
Workers Compensation
Insurance
Workers Compensation requirements differ from state to state in Australia. Atlantic can help to coordinate insurance to cover your employees against injury at work.
Goods In Transit
Insurance
Goods In Transit
Insurance
If you import stock or materials we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods whilst in storage or for transit of customers goods.
Management
Liability Insurance
Management
Liability Insurance
We recommend that all of our trades clients consider a Management Liability policy. This protects the Directors, Officers and Employees of your Company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.
Construction Insurance
Construction Insurance
With many clients in the Construction Industry, Atlantic are experts at providing cover for Contract Works, including cover for both Material Damage and Public and Products Liability. Our policies can also be extended to include cover for materials in transit, display homes and other unique building risks.
Plant &
Machinery
Plant &
Machinery
Many Tradies own Plant and Machinery such as excavators, bobcats, skid steers and forklifts. We offer a range of policies to cover these items for Theft and Damage along with Third Party Liability if these items are registered.
Commercial Motor
Insurance
Commercial Motor
Insurance
We are experienced in organising both single Commercial Motor policies and Commercial Motor Fleet policies if your business operates a fleet of vehicles, which can be extended to cover automatic additions and deletions, free windscreen, along with other benefits.These policies provide protection for your vehicles, including own damage and third party property damage.
Business / Factory
Insurance
Business / Factory
Insurance
If you own or lease a factory or warehouse, we can organise cover for your Buildings, Stock and Contents for risks such as Fire, Accidental Damage, Malicious Damage, Water Damage, Impact, Business Interruption, Theft and Glass Breakage.
Tax Audit
Insurance
Tax Audit
Insurance
The ATO continue to target self-employed tradie’s for tax audit. Atlantic can set up a policy that will cover your tax audit expenses in the event you are audited by the ATO or other government agencies.
Injury & Illness
Insurance
Injury & Illness
Insurance
If you require a more basic coverage to protect your income, Atlantic can assist with Injury and Illness Insurance, with benefit periods up to 5 years and waiting periods as low as 2 weeks.
Tools
Insurance
Tools
Insurance
If your tools were stolen, how would continue to work? We offer a range of policies that will cover your tools for either accidental loss and damage or limited to theft following forcible and violent entry. Premiums are competitive and will ensure you can get back to work ASAP.
GLAZIERS RISK – OUR OBSERVATIONS
Incidents involving workplace injury are being closely examined and are more frequently leading to legal proceedings. For entities in high hazard industries a Management Liability policy is becoming a more common Insurance purchase. Not only does this provides the Owners of the Business with a level of protection via the Director and Officers cover, it also contains provisions to assist in instances of potential Employment Practices Liability claims and potential breaches of Occupational health and safety regulations which often remain undiscovered until after a claim and the intervention of a regulatory authority.
CURRENT CLAIMS LANDSCAPE
Insurers view Glaziers as having the potential for a combination of frequency and severity claims due to the nature of your occupation. The product you work with can be fragile and subject to regular breakages and in some cases these breakages could be linked to severe personal injuries. Our Client Managers can assist gathering the required information to approach a range of Insurers to determine the most appropriate Insurance solution for your Business. Given the range of covers a Glazier could consider, this could be arranged amongst several Insurers to deliver the best Insurance solution for your individual needs. Speak with us today.
