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Glass

Provides cover for the costs of replacing internal or external glass that is accidentally damaged or broken, including windows, mirrors or porcelain.

Did you know?

  • Insurers will generally pay the cost to repair or replace glass with similar quality to comply with the requirements of The Standards Association of Australia.
  • Insurers may not repair or replace damaged or broken glass if the premises remained unattended for a certain period, for example 90 days.

What’s typically covered?

  • External glass breakage
  • Destruction of stock or contents (caused by broken glass that constitutes a claim)
  • Signs made of glass or plastic which forms part of an illuminated sign
  • Costs for after-hours service, express delivery and overtime by repairers
  • Malicious damage where there has been no breakage

What’s typically NOT covered?

Repair or replacement for glass:

  • Which is stock
  • Which is in poor condition (eg. chipped) when the period of cover commences
  • Which is part of a greenhouse, computer screen, vase, television screen, radio, conservatory, or glass item normally covered by hand

Things to consider

  1. Would the cost of replacing internal or external glass, mirrors or porcelain put financial pressure on your business?
  2. Does your lease or rental agreement require this cover? This is a common requirement in leases.
  3. Are you in an area that is prone to malicious damage to shopfronts, such as an entertainment or nightclub district?