TALK TO AN EXPERT
Our team of experts are available to talk to Mon-Fri 08.30-17.30 and Sat 10.00-14.00
Glazier Public Liability Insurance
As a glazier, you take pride in your craftsmanship, creating stunning glass installations that enhance buildings and spaces. However, no matter how skilled and careful your business is, accidents can happen in the blink of an eye. The consequences can be financially devastating for your trade business, whether it's a broken window during installation or an injury to a passerby caused by your equipment. This is where Glazier Public Liability Insurance comes to the rescue.
What is Glazier Public Liability Insurance?
Glazier Public Liability Insurance is a specialised insurance product tailored to protect glaziers and their businesses from potential legal and financial liabilities resulting from third-party claims. It covers various scenarios, including property damage and bodily injury caused by your glazing operations. This insurance acts as a safety net, providing peace of mind and allowing you to focus on delivering quality services without worrying about unforeseen accidents.
Why Do Glaziers Need Public Liability Insurance?
As a glazier, you are exposed to various risks every day, and accidents can happen even with the utmost care and caution. Here are some scenarios where Glazier Public Liability Insurance proves invaluable:
Accidental Property Damage: While working on a project, you accidentally break an expensive antique - or a glass window shatters during installation. The total price of replacing or repairing the damaged property can be substantial, and this insurance can cover those expenses.
Bodily Injury: A passerby trips over your tools or materials, resulting in an injury. The injured person may hold your trade business responsible for the accident, leading to a costly legal claim. Public Liability Insurance can cover medical expenses, legal fees, and compensation if your business is found liable.
Third-Party Claims: If a client or a member of the public alleges that your glazing work caused damage or injury to them or their property, this insurance can help you handle the expenses related to defending your business in court.
Contractual Obligations: In many cases, your clients may require you to have Public Liability Insurance as a condition to work on their projects. Having this insurance in place can help you win contracts and expand your business opportunities.
Key Features of Glazier Public Liability Insurance:
Coverage Limits: You can choose the coverage limit that best suits your trade business needs. Coverage limits at Rhino Trade Insurance range from £1 million to £5 million, depending on your business size and the level of protection you desire.
Legal Costs: This insurance covers the legal costs of defending your business against liability claims, including lawyer fees, court costs, and settlement expenses.
Medical Expenses: It covers the medical costs if someone is injured due to your glazing work, ensuring they get the necessary care without causing financial strain on your trade business.
Comprehensive Protection: Glazier Public Liability Insurance provides coverage for bodily injury, property damage, product liability, and personal injury claims. It acts as a versatile shield against a wide range of risks.
How Much Does Glazier Public Liability Insurance Cost?
The cost of Glazier Public Liability Insurance can vary depending on several factors:
Business Size: The size of your glazing business, including the total number of employees and annual revenue, can influence the premium.
Coverage Limits: Higher coverage limits typically lead to higher premiums.
Claim History: If your trade business has a history of claims, insurers may consider it a higher risk and adjust the premium accordingly.
Type of Projects: The complexity and scale of your glazing projects can impact the premium.
Risk Management Practices: Demonstrating strong risk management practices, such as safety protocols, can sometimes lead to lower premiums.
How to Get Glazier Public Liability Insurance with Rhino
Assess Your Insurance Needs: Evaluate your glazing business's specific requirements, potential risks, and the coverage amount you need.
Seek Professional Advice: Consult a broker that specialises in trade insurance like Rhino. Our team can provide expert guidance and help you find the best policy for your needs.
Read your Policy Carefully: Thoroughly review the terms and conditions of the policy to understand the coverage and any specific exclusions.
Purchase Your Policy: After we've given you your quote, your next step is to decide to purchase. We offer interest-free instalments or one-time payments - whatever fits your circumstances.
Why Choose Glazier Public Liability Insurance?
As a glazier, you combine your knowledge, effort, and talents to make beautiful glass installations that satisfy your clients. Accidents, however, can occur at any time and could endanger your trade business and way of life. With Glazier Public Liability Insurance, you have the security and assurance you need to concentrate on your craft without worrying about the costs of unanticipated accidents.
Don't expose your glazing company to unforeseeable risks. Invest in Glazier Public Liability Insurance right away to safeguard your reputation, customers, and business. Ensure your future and deliver outstanding glazing services with assurance!
To get your trade insurance in order, call 0116 243 7904 for a quote, or use our convenient online quote tool to acquire a price.
