Tradesman: Window Fitters and Glaziers

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Window Fitters & Glaziers Insurance

If you're installing single or double glazing, costly patio sliding doors or stained glass or fitting roof windows then Tradesman insurance is designed to meet your needs.

Self employed window installers and glazers, whether acting as the contractor or sub contractor will have insurance needs such as van cover and employers liability insurance if you have people on the books.

Other insurance cover such as public liability is designed to protect your business against damaging claims resulting from accidents, it's usually needed by contractors too.

Cost

Typically tradesman quotes for window fitters will include public and product liability and the average cost varies depending on turnover, height worked at, number of employees etc.

You can also add on all manner of additional requirements such as contract works, personal accident & sickness and key person cover.

Public Liability Insurance

Designed to cover unintentional damage or injury caused to others by a business. Public liability insurance covers claim against the business for damage to property, injury or death, and legal costs if you are found at fault.

Every business has a legal duty to protect the public from injury or wrongful acts, either deliberate or caused by negligence. Without cover defending a claim can be difficult, costly, and time consuming.

Employers Liability Insurance

Covering a business's legal liabilities to meet claims from employees who fall ill, are injured or die because of their work, employers liability insurance is mandatory and hefty fines can result from not having a valid policy and displaying the certificate.

Quality Assured National Warranties (QANW)

Insurance Backed Guarantees for Glaziers. Under Part L Building Regulations any householder replacing windows and doors must either get the work approved by the local authority's building control department, or use a contractor who's registered to self certify their work.

Known as the Competent Person Scheme, registered bodies include BSI, CERTASS and FENSA.

A contractor offering a guarantee insurance must offer insurance* to cover any breach of the regulations.

*Quality Assured National Warranties (QANW) offer an Insurance Backed Guarantee (IBG) specifically for glazing companies.

This type of insurance covers the installing contractor's written guarantee against defective workmanship and materials for a period of anything between 1 - 10 years, sometimes longer.

If problems with the work come to light but you've stopped trading the insurance kicks in as the guarantee for the term of the cover.

One-off registration with QANW costs £50 (current at Oct 2010), with a fee per installation value eg windows up to £15,000 - £12 and under £30,000 - £15. Prices exclude IPT (Insurance Premium Tax).

You have to re-register if you don't submit contract work for 6 months or longer.

QANW provide insurance for several UK trade bodies including the National Federation of Roofing Contractors.

More details form their website: qanw.co.uk

FRD Risk Solutions

Liverpool based FRD Risk Solutions offer the "Paneless" Comprehensive Insurance Scheme for glass and glazing companies registered with Quality Assured National Warranties (QANW)* or other Guarantee Insurance Association members.

Designed specifically for glaziers, glass fabricators and installers a major attraction for tradesmen is that they offer interest free instalments for basic core cover.

Fill in a simple questionnaire and you'll get a free review of Health & Safety and/or Employment policies and procedures.

Policy features:

• Employers Liability
• Public/Products Liability - Unusually for the sector cover is included for financial losses suffered by customers as a result of goods being unfit for purpose.
• Contract Works - for loss or damage to windows/doors/conservatories until completed and handed over with options to insure own plant/hired plant/employees' tools.
• Property - including contents, computers, machinery, stock, tools.
• Business interruption
• Money - personal accident/assault, cash in transit, on the premises and in Directors' homes.
• Personal accident
• Goods in Transit

Optional extras:

• Fidelity Guarantee (Theft by Employees)
• Legal Expenses
• Book Debts
• Engineering
• Directors and Officers
• Motor Insurance - cover for single vehicles to large fleets

For more information, fill in their online enquiry form at frd-rs.co.uk.

Glass & Glazing Industry Insurers

Directline Tradesman Insurance

Direct Line's new Tradesman Insurance is designed for traditional building and allied trades (established professional tradesmen and craftsmen with up to ten manual employees).

Just one small mishap could jeopardize a window fitters or glazers ability to earn an income. Direct Line's Tradesman Insurance protects tradesmen in such situations, providing a comprehensive standard policy. This gives up to £1 million public liability cover, with the option to increase up to £5 million and add additional covers, allowing the customer to mould the insurance to their needs.

Standard cover:

• Public liability
• Optional cover
  • Employers liability
  • Tools and equipment

£100 excess in respect of damage to third party property.

Free 24 hour advice lines including legal advice on any business problem including Employment; Tax; Contract Disputes etc; stress counselling; health and medical assistance.

Camberford Law plc

Kent-based Camberford Law plc has been providing specialist insurance for the glass and glazing industry since 1958.

Policies are devised specifically for manufacturers and installers of double glazing and sealed unit products, as well as general glass and glazing trades.

Policy features:

• Property (Buildings and Contents)
• Loss of Gross Profit / Increased Cost of Working
• Employers Liability
• Public/Products Liability
• Goods in Transit
• Fidelity Guarantee (Theft by employees)
• Legal Expenses
• Money (including Personal Accident / Assault)
• Book Debts
• Engineering
• Directors and Officers
• Motor Fleet from 3 vehicles to fleets

Contact Camberford dedicated Glazing Division via camberfordlaw.com