Glass Contractors are faced with many risks unique to their line of business. GlassPro® is one of the most comprehensive glass insurance programs available for glass manufacturers, dealers and installers.
Developed with the unique needs of glass professionals in mind, GlassPro® provides the most extensive glass insurance coverage in the market, backed by stellar support and service. We provide clients with the coverage they need, at a price they’ll appreciate!
Better Coverage By Design
Definition: Coverage to pay for a loss to glass rack equipment that is permanently installed in or upon a covered auto in any one accident.
Claim Example: A truck transporting glass is involved in an accident and there is damage to the glass rack equipment that is holding the glass. The glass rack equipment is covered.
Definition: This coverage may be used from General Contractor down to the insured. Blanket additional insured endorsements: XIL 2010 & XIL 2037 are proprietary forms with the equivalent language to the CG2010 & CG2017 07/04 & 10/01 edition dates
Claim Example: There is a contract in place between the general contractor and the subcontractor which requires the general contractor to be included on the subcontractor’s insurance policy as an additional insured regardless of fault. There is a loss in which the GC was 100% at fault. If the correct edition is not used, the subcontractor’s general liability policy may not provide coverage as required.
Scenario 1: The subcontractor includes the general contractor as an additional insured on their general liability policy via ISO endorsements CG 2010 and CG 2037 10/01. In this scenario, the subcontractor’s general liability policy will pay the entire loss since the 10/01 endorsement editions do not require there to be fault.
Scenario 2: The subcontractor includes the general contractor as an additional insured on their general liability policy via ISO endorsements CG 2010 and CG 2037 07/04. In this scenario, the subcontractor would have to pay the loss out of pocket depending n the language found in the contract. The 07/04 endorsement edition dates would not provide coverage under the general liability policy for the subcontractor because they were not at fault or partially at fault.
Description: Provides coverage for damages caused by chemicals that leak from your auto which are not ordinarily covered by the standard ISO auto offering.
Claim Example: A company truck is involved in an accident and overturns, spilling pollutants over the road and possibly into the local water system (nearby pond, sewer, etc.). The damage to the water supply, loss of chemicals, and cleanup is covered in this scenario.
Eligible Risks
- Glass and Glazing Contractors (Glaziers)
- Glass Merchants
- Glass Installers
- Glass Fabrication & Installation
- Auto Glass Repair & Installation (On and Off-Site) [75% of payroll must be within these classes]
- Program is admitted and written in all states
Minimum Package Premium
$10,000
Why Work With NIP Group?
- Carrier Rated A+ (Superior), Financial Size XV by A.M. Best
- Competitive Rates
- Superior Customer Service
Coverages
- General Liability (limits up to $1M per occurrence/$2M aggregate)
- Product Liability (limits up to $1M per occurrence/$2M aggregate)
- Auto Liability (limits up to $1M per occurrence)
- Property/Inland Marine (limits up to $500K)
- Contractors Pollution Liability
- Employment Practices Liability
- Cyber Liability
- Workers’ Compensation (Statutory Limits)
- Umbrella Liability (limits up to $10M)
Submission Requirements
- Completed and signed ACORD applications
- Completed and signed Supplemental
- FEIN Number
- 4 years of currently valued, hard copy loss runs for all lines of business being requested
GlassPro Program Manager
Dawn Saunders
Dawn Saunders, CPCU, ARM, CRIS, serves as Program Manager for the Site and Site II programs with more than 25 years of P&C experience. Dawn has extensive experience underwriting and managing construction accounts. She is adept at identifying customer needs, developing solutions and achieving results. Dawn earned her undergraduate degree in Business Administration from University of Massachusetts – Lowell and her MBA from Suffolk University.
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