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These distributors offer glass used for windows, plates and mirrors. Types of glass offered may include window glass, plate glass and safety glass. Glass retailers purchase glass sheets from these companies in a variety of shapes and sizes. Retailers may cut purchased glass to fit specific mirror frames, building windows and automobile windows for their customers.

General Liability Insurance for Glass Distributors – Injury may occur at glass distribution centers as a result of slips/trips/falls, toppling merchandise, or during product demonstrations. Broken glass should be immediately cleaned up to prevent hazards to others. If customers are allowed on site to pick up glass products, then public areas should be limited and clearly marked. Pickup and loading areas should be in good condition to prevent customer injury. Glass items that are stored outside are at risk of being vandalized. Therefore, adequate fencing should protect the property from outsiders who could possibly be injured on the property. Any glass that is specially designed will increase the risk of products liability.

Workers’ Compensation Insurance for Glass Distributors – Glass may break and cause injury to employees. Employees should be trained to properly handle glass materials in order to prevent breakage and injury. If glass cutting procedures are performed at glass distribution centers, then additional training should be provided to ensure employees’ safety. Safety goggles and face shields should be worn. Training should also include proper procedures for loading, unloading, lifting, and delivery of glass products.

Business Auto Insurance for Glass Distributors – Drivers must be well trained to properly secure glass items on delivery vehicles in order to prevent hazards on the road. If the radius of delivery is large and includes high traffic areas, then accidents are more likely to occur. Additional risk factors for glass distributors include young drivers and residential deliveries. Regular maintenance and documentation is required of all vehicles. Vehicles should work properly at all times. Driver screening should include satisfactory driving history in addition to customary MVR checks.

Property Insurance for Glass Distributors – Glass products are not likely to add a significant fire load, but they will break or shatter when exposed to extreme temperatures during a fire. Packing materials are flammable and will increase the loss potential during a fire. Trash and excess packing materials should be removed on a daily basis to reduce the fire load. Fire suppression systems for glass distribution centers should be used accordingly. Glass that is stored outside the building is more susceptible to breakage by weather conditions or vandalism. A fence should surround the premises to reduce vandalism. Breakage is also likely to occur while products are in transit. Inland Marine risks are elevated as a result.

Crime Insurance for Glass Distributors – Employees may steal money or merchandise from the glass distributor and, therefore, should have references checked prior to being hired. Employees who process orders and handle money transactions should not be in charge of inventory controls. Internal audits should be performed on a frequent and irregular basis. Surveillance cameras should help reduce employee theft.