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Public Liability Insurance Claims: Steps to Take When a Customer Is Injured
Accidents involving members of the public can happen unexpectedly, even in the safest business environments. Whether a customer trips in a retail…
GlazierInsurance
Glazier Insurance
Public liability and personal accident cover built for glaziers, including the cut and injury risks that come with handling glass every day.
Public liability and personal accident cover built for glaziers, including the cut and injury risks that come with handling glass every day.
Injury from glassGlass in transitTools & equipment
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is glazier insurance?
Glazier insurance is a combination of covers built around handling, fitting and repairing glass, public liability for injury or damage, employers’ liability if you have staff, and tools cover for your equipment. Cuts and breakages are a routine part of this trade, not a rare event.
Emergency boarding-up work after a break-in adds a security element to the job too, you’re often making a property safe when it’s at its most vulnerable.
Glazier insurance can include:
Public liabilityEmployers’ liabilityTools & equipmentProfessional indemnity (if you design)Glass breakage in transitBusiness van insurance (separate policy)
Cover often bought alongside glazier insurance
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Personal Accident
Covers loss of income if a cut or injury stops you working.
Business Contents
Protects glass stock and equipment kept at a workshop or unit.
Tools & Equipment
Covers your tools against theft from the van or site.
What could go wrong on a glazing job?
What could go wrong on a glazing job?
Most glazier claims come from being cut handling glass, breakage in transit, or a unit fitted at height working loose later.
Most glazier claims come from being cut handling glass, breakage in transit, or a unit fitted at height working loose later.
| Situation | Usually covered | Worth checking your policy |
|---|---|---|
A pane breaks and damages a client’s property | Yes, standard public liability | Third-party property damage |
You’re cut while handling or fitting glass | No, needs personal accident cover | Your own injury isn’t a liability claim |
Glass is damaged while being transported | Often, check your policy for goods in transit | Glass in transit isn’t always automatically included |
A window fitted at height comes loose later | Depends on your policy’s aftercare terms | Check how long cover extends after fitting |
Top Tip
Cuts are one of the most common injuries in this trade, and public liability won’t cover your own time off work. Personal accident cover fills that gap.
How much does glazier insurance cost?
There’s no fixed price. It depends on the type of glazing you do, whether you work at height, whether you have staff and your claims history.
Type of glazing work
Structural or high-rise glazing carries more risk than standard window fitting.
Level of cover
Adding personal accident or goods in transit increases your premium.
Number of staff
More employees increase your employers’ liability exposure.
Height and emergency work
Height access and emergency boarding-up can affect your risk rating.
Value of your tools
More expensive kit and lifting equipment means a higher premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get glazier insurance
How to get glazier insurance
Getting glazier insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting glazier insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
The type of glazing work you do, and whether you have staff.
2
Choose your covers
Public liability, personal accident and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Glazier insurance guides
Glazier insurance guides
Practical advice on cover, glass handling and staying protected.
Practical advice on cover, glass handling and staying protected.
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Glazier insurance FAQs
Glazier insurance FAQs
Straight answers on cover, injury, transit and cost.
Straight answers on cover, injury, transit and cost.
Glazier insurance is a combination of covers built around handling, fitting and repairing glass: public liability for injury or damage, employers’ liability if you have staff, tools cover, and personal accident cover for cuts and injuries.
Still have questions?
Our advisers are here to help you find the right solution.
Related trades we cover
Related trades we cover
Glaziers often work alongside these trades. Each has its own cover requirements.
Glaziers often work alongside these trades. Each has its own cover requirements.
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Locksmith Insurance
Window and door security fitted alongside new glazing.
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Carpenter & Joiner Insurance
Frames and openings that glazing is installed into.
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Builders Insurance
Main contractors coordinating glazing within a wider build.