Window Fitters and Glaziers

19/06/2013 -- Mary Simpson
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Window Fitters & Glaziers Insurance

Whether you’re a self employed window fitter or a glass and glazing contractor installing units for your own clients and/or other contractors, you’ll want to make sure your business is insured against risks.

You can buy insurance to suit your business and your budget online or through a broker. Policies can include cover for:

  • Employers Liability
  • Public Liability
  • Property
  • Business interruption
  • Cash in transit
  • Goods in Transit
  • Personal accident
  • Theft by employees

The two main types of cover for window fitters and glazing companies are Public Liability Insurance (PL) and Employers Liability Insurance (EL).

Public Liability Insurance

Public liability insurance (PL) is designed to cover damage or injury caused to others as a direct result of your business activities as a window installer.

Say, for example, a window being installed in a block of flats falls and injures a passerby.  If they sue and you don’t have public liability insurance cover, you could face a hefty compensation claim and a bill for legal costs.

PL gives you the peace of mind of knowing that if the unexpected does happen, you’re business is financially protected.

Standard cover levels are £1 million, £2 million and £5 million.

Employers Liability Insurance

If you employ full or part-time staff, casual labourers, trainees or sub-contractors you must have employers liability insurance. This covers your business's legal liabilities to pay compensation to employees who fall ill, are injured or die because of their work.

You can be fined £1,000 if you don’t display your EL certificate, or refuse to make it available to inspectors.

You can also be fined £2,500 for every day you trade without insurance.  The legal minimum required for employers liability cover is £5 million.

Insurance Backed Guarantees for Glaziers

Quality Assured National Warranties (QANW) offer an Insurance Backed Guarantee (IBG) specifically for glazing companies.

This type of insurance covers the installing contractor's written guarantee against defective workmanship and materials for 1 - 10 years, sometimes longer.

If problems with the work come to light even if you've stopped trading the insurance kicks in as the guarantee for the term of the cover.

Having this type of insurance could clinch a sale.

See the QANW website for more details.