Glass insurance

Business cover as far as the eye can see

In a nutshell

While broken glass may not seem like an expensive commodity to replace, speciality glass can be costly. If the glass on your business premises breaks, we can’t promise you won’t have 7 years of bad luck (sorry), but we’ll turn your frown upside down by making sure it’s replaced ASAP. The king covers you for the loss of, or damage to, your external glass (including reflective glass or mirrors), signwriting, and the treatment thereon, at the insured premises (as noted on your policy schedule), or for which you’re responsible. By ‘glass’ we mean window glass (including mirrors), which is plain plate or float glass not exceeding 6mm in thickness, whether coated with a film or not, or 6.5mm laminated safety glass. If you’d like to cover glass other than what we just described… Just let us know!

  • The reasonable cost of the necessary boarding up.
  • Damage to shop fronts, frames, window displays (including fixtures and fittings), burglar alarm strips, wires and vibrators.
  • The cost of the removal and reinstallation of fixtures and fittings necessary for the replacement of the glass.
  • The cost of a security guard prior to the replacement of the glass, boarding up or repair of the burglar alarm (unless this cost is covered by any other insurance policy).
  • Loss or damage insured by any fire insurance policy (unless you're responsible for the glass as a tenant).
  • Glass forming part of 'stock in trade'.
  • Damage that existed before your cover under this section started.
  • Defacement or damage (other than fracture) through the entire thickness of the glass or its laminate.
  • Special replacement (up to a maximum noted on your policy schedule).
  • Riots and strikes.