Glaziers play an essential role in keeping people’s homes safe, comfortable and livable. The work that they do is not only essential but also highly complex. In such delicate and essential work, protection is vital. Although it is advised that people in all lines of work insure themselves and their business when dealing with the maintenance of people’s homes, glaziers must be prepared for any circumstances and have suitable protection should any of those situations arise.
Why is Glazier Insurance Important?
Glass is a hazardous material to be working with day in and day out. Not only does it break easily despite being so expensive, but it’s also potentially hazardous when it does break. This means regular handling of it is constantly a juggling act to protect people’s health and money.
The protection of people’s health and wealth is what occupational insurance does best. This means that glaziers are in a better position than most to capitalise on some of the offers out there and find an insurance policy that works for them and protect them from all types of possible adverse outcomes that may arise in the long term.
What Types of Glazier Insurance Are There?
There is a range of different policies that may come in handy. This includes policies that protect you and your employees, your clients, their property or your property, your tools and even your office and the equipment from which you do your administration.
You may decide that you don’t need an insurance policy covering every possible area. Still, it’s good to get an accurate idea of how the different policies work to make an informed decision about getting the right policy for your practice. If by the end of your research you still don’t think you need any coverage at all, you may be running a remarkably cavalier practice that is likely to come back to bite you in the long term. Read on to see the most important policies for glaziers and what kinds of things you should especially be looking out for.
1. Public liability cover
First of all, is public liability cover. Many practices in all fields of work choose to take out public liability cover even though most don’t need it anywhere near as much as glaziers do. Public liability protects you in the case that someone from the public or something gets injured or damaged and a claim is made against you. With the fragile and potentially dangerous materials that glaziers work with and the manual labour which can potentially damage people’s property such as their homes, offices or furniture, public liability insurance is strongly advised.
Were a mistake such as one of those mentioned above ever arise, it may not even be your fault, but the risk of you being made to fork out a large wad of cash for compensation is always going to be there. On top of this, the legal fees to defend against such a claim or negotiate a settlement aren’t anything to be scoffed at here. Worst of all, dealing with these kinds of matters only serve to distract you from the glasswork that you specialise in and potentially further disrupt business.
With public liability insurance, you pay a small set fee every month that you can account for in your budget in advance. When one of these unfortunate incidences does arise, a team of professionals will be there to deal with it. Not only does this let you focus on getting back to what you specialise in, but they will cover the cost of the compensation too. Of course, this doesn’t mean you should go around smashing planes of glass into people’s furniture as your premiums are likely to go up, and you’ll have to pay a more significant monthly fee,
The other considerations you should take most seriously are employers’ liability insurance and tool protection.
2. Employers’Employers’ liability insurance
Employers’Employers’ liability insurance should only concern you if your glazier practice has any employees. If so, it is a legal requirement and will protect you and your staff in the case of any unfortunate accidents and subsequent claims made.
It acts in a very similar way to public liability insurance but is instead focused on employees rather than public members. Even if this weren’t a legal requirement, we would still recommend it because of this. Not something you should ignore if you have any staff unless you want the government on your back alongside an extensive collection of fines.
3. Tool cover
Tool insurance is there to protect you if you lose, damage or has stolen any of the equipment you use to carry out your glass fitting work. Considering how specialist some of the glass fitting equipment can be, we know this stuff can get expensive, so you’ll be grateful that you have someone there to cover the cost should something go wrong. In some deals, you’ll also get guarantees of the speed of replacement so you can get right back to work without disrupting your revenue stream any more than is necessary.
Find out more about the importance of insurance here.
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