Insurance for glass and glazing contractors.

General liability, workers’ comp, auto, and inland marine for glass in transit, for storefront, curtain wall, and residential glass installers, plus professional coverage when you carry the design.

What glaziers usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Glass in transit and on site
Contractor’s professional liability
Shop and fabrication property
Umbrella

Watch for these in a glazing policy

Glass in transitGlass that breaks on the rack or in the truck is your loss unless inland marine covers it. Auto insurance covers the truck, not the load.
Delegated designCurtain wall contracts often make you responsible for engineering the system. General liability usually excludes professional errors, so that risk needs its own coverage.
Leaks at the systemWater that gets past a curtain wall or storefront system is the core glazing defect claim, and some policies limit water intrusion on commercial buildings.
Swing stages and towersSome policies limit work above a set number of stories or exclude suspended scaffolds. Curtain wall on a tower needs a policy that allows it.
Panels that break after installA tempered panel that shatters months later can injure people below. That is completed operations, and replacing the panel itself is usually not covered.

What GCs and owners ask glaziers for

Professional liabilityOwners often require it when your subcontract includes delegated design or engineering.
Additional insuredOngoing and completed operations for the GC and owner, on CG 20 10 and CG 20 37 or equivalent forms.
Per-project aggregateCommon on curtain wall and storefront packages for larger buildings.
Waiver of subrogationOn general liability, auto, and workers’ comp.

Questions glaziers ask

Straight answers.

The questions we hear most, answered plainly.

Is glass broken during install covered?

Glass you are installing is covered by inland marine or an installation floater, not general liability. Breakage in transit and on site should both be on it.

Do I need professional liability for curtain wall work?

If your contract makes you responsible for design or engineering, usually yes. General liability covers injury and damage, not the cost of a design error.