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