Window glass and mirror stores not only sell glass supplies, but many of them also provide custom-cut glass and installation services. Glass commonly offered at these types of stores include plate, safety and window glass. Services offered may include cutting, buffing, beveling and polishing glass, along with expert installation of glass windows and hardware for residences and businesses. Liability losses may occur when your service causes damage to the customer’s home or business. Other risks include crimes like fraud, and general liabilities. Protect these and other risks with window glass and mirror store insurance.
Types of Window Glass and Mirror Store Insurance
Due to the many risks your business is exposed to, you should also be purchasing different business insurance policies. These are some of the most important policies for your window glass and mirror store.
Window Glass and Mirror Store General Liability Insurance
Your window glass and mirror store can be dangerous for customers who aren’t careful. Be sure to have all merchandise in a safe place. Even then, accidents and injuries might still occur. Something could fall and shatter and cause an injury to your customer. General liability includes premises liability, which is coverage for medical and legal costs if something like this occurs. This window glass and mirror store insurance policy also includes product liability and completed operations.
Window Glass and Mirror Store Product Liability Insurance
Product liability, which is often included in general liability, provides coverage for the products you sell. If you sell faulty hardware that causes a window to shatter or glass that damages the individual’s home or causes bodily injury, you are responsible for the legal costs. Product liability will offer you financial protection from such claims.
Window Glass and Mirror Store Commercial Auto Insurance
Business errands, like going to the post office, bank, picking up merchandise for the store or making deliveries, should all be covered with business auto insurance. Whether you or an employee is driving on these errands, be sure they have adequate auto coverage. Business auto includes coverage for property and vehicle damage, bodily injury, and in many cases, theft and vandalism. Drive extra carefully on these errands and have business auto insurance for additional protection.
Typically, the glazier measures the window openings, obtains the materials from a supplier and returns to complete installation. Plate glass must be cut to size and the edges sanded, fitted into the frame, secured with glazier’s points (small metal clips), and sealed with an adhesive. Specialty glass, such as insulated or security glass, must be ordered to size since it normally cannot be cut.