Shopfronts and glass: the small cover with the most frequent claims
Short answer
Glass cover pays for breakage of shopfronts, doors and signage regardless of cause, including accidental breakage which the main property section often does not cover.
Why it is a separate item
The main cover usually pays for fire, storm or burglary. A shop window, however, breaks without any such event — from an impact, a stone, an accident. Precisely those cases fall outside the main section, which is why glass is added separately.
What is included besides the glass itself
A good wording includes removal, installation, temporary boarding up and sometimes the signage or film on the glass. The cost of the glass is often smaller than the work around it — so check whether the labour is inside.
Does the shop trade meanwhile
A broken shopfront usually means a closed shop until replacement. If that is expensive for you, the question is no longer about glass but about business interruption cover — the two are read together.
Frequently asked questions
- Is scratched glass covered?
- Usually not — the cover is for breakage, not cosmetic damage. The exclusions are listed in the clause.
- What if the glass was broken during a burglary?
- Then the damage usually falls under the burglary clause. The two covers do not duplicate each other; they complement each other.
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