Glazier & Glass Contractor Insurance Coverage Checklist
The coverages a glazier & glass contractor business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for residential and commercial glazing contractors. Priorities reflect typical exposure for this class; confirm against the contractor's actual work mix and building heights.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers third-party injuries and property damage from glazing work — including glass dropped from height onto people below. | Core | |
| Products & Completed Operations | Covers installed glass that later breaks, falls, or leaks — tempered glass can fail years after installation. | Core | |
| Workers' Compensation | Glaziers face deep cuts, crushing by crates, lifting injuries, and falls from height. | Core | |
| Commercial Auto | Covers glass trucks and racks transporting heavy, fragile loads. | Core | |
| Inland Marine / Installation Floater | Covers glass and framing materials in transit and on site until the owner accepts the work. | Prevalent | |
| Contractor's Equipment | Covers vacuum lifters, glazing robots, and cutting equipment. | Prevalent | |
| Umbrella / Excess Liability | Extends limits above GL, auto, and employers liability; falling facade glass can produce severe claims. | Prevalent | |
| Professional Liability (Delegated Design) | Needed when the glazier engineers systems, calculates wind loads, or takes delegated design responsibility. | Situational | |
| Commercial Property | Covers the shop, fabrication equipment, and glass inventory. | Situational |
The coverage gap most often missed
The gap most often missed for glaziers is a completed-operations limit that matches how long glass can fail. Tempered glass can break spontaneously years after installation, facade glass can fall onto sidewalks below, and water intrusion through storefronts and curtain walls surfaces slowly. Confirm the completed-operations aggregate is adequate and that the policy has no height limitation that would exclude multistory work. Glaziers who do delegated design or wind-load calculations should also carry professional liability.
Send us the checklist and we'll review your glazier & glass contractor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Glazier & Glass Contractor Insurance · Glazier & Glass Contractor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a glazier & glass contractor business need?
The core coverages for a glazier & glass contractor business are Commercial General Liability, Products & Completed Operations, Workers' Compensation, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my glazier & glass contractor coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.