Look around the modern city and you'll see expanses of plate glass everywhere, both at street level and high above. Office skyscrapers and prestige business campuses use huge windows to bring light into the building; restaurants and hotels often have feature windows or glassed-in lobbies. In the case of retailers, big plate glass windows are great on-street advertising for the business; they bring customers into the shop. The modern architectural aesthetic is built around glass making structures light and translucent. The Flower Dome and Cloud Forest at Gardens by the Bay, or the Esplanade theatres, would be unimaginable without their shining glass!
Plate glass is beautiful - but of course it's also fragile and expensive to replace. Even though modern glass has greatly improved over past decades - it's shatterproof, toughened, and less reactive to extreme temperatures - it's still breakable. High winds or storms can damage it - it could be blown in, or heavy objects could be blown against it. Accidents, like a gas explosion in a nearby building, can also damage your glass. A ladder being used inside the building could fall against the glass, or a passer-by might fall on to it accidentally. Even if it's only cracked, it may need to be replaced completely.
Many businesses use lettering or decoration on the glass to brand themselves. If you can't afford to pay for that to be put back, it will affect the visibility of your business. In some locations, businesses used reflective film to reduce solar heating or ensure passers-by can't see into the building. That might need replacing completely if the glass is broken or cracked. A plate glass insurance policy can be tailor made to suit the circumstances, so you don't lose out.
Plate glass cover can include a number of different options, including
bodily injury to staff, visitors or exhibitors
replacement of broken or damaged glass,
temporary boarding up of your premises while the glass is replaced
replacing lettering or decorative treatment applied to the glass
replacing alarms wired to the glass
replacing shatter resistant film or reflective film
riot, strike, and malicious damage cover
Smashed glass can also involve business disruption, if the premises can't be used until it's replaced. That's why you need a good plate glass insurance policy, and an insurer that will help you get the problem sorted out quickly and get back to work. You'll have the peace of mind of knowing that even if your glass gets broken, your business won't be shattered.
Different options will suit different businesses and different locations; not everyone needs the same cover. Many businesses will do best with a tailor made package instead of buying off the shelf insurance. That's why we work with the best and most experienced insurance professionals to ensure our customers get exactly the policy they need.
Give us a call today to talk about insuring your plate glass. We can talk you through the different options and find the right package for you, at the right price from the following insurers:
icon-star AVIVA Ltd
icon-star AXA Insurance Singapore Pte Ltd
icon-star AIG Asia Pacific Insurance Pte Ltd
icon-star China Taiping Insurance (Singapore) Pte Ltd
icon-star EQ Insurance Company Ltd
icon-star Liberty Insurance Pte Ltd
icon-star MSIG Insurance (Singapore) Pte Ltd
icon-star NTUC Income
icon-star Overseas Assurance Corporation (OAC)
icon-star QBE Insurance (International) Limited
icon-star RSA – Royal & Sun Alliance Insurance Plc
icon-star Tokio Marine Insurance Singapore Ltd.