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PROTECTING THE GLASS & FACADE OF YOUR OFFICE BLOCK
What Is Glass, Windows & Facade Insurance?
Many office blocks and commercial buildings use extensive glass, modern facades and curtain wall systems. When these are damaged, the repair costs, access requirements and disruption can be significant.
Glass, Windows & Facade Insurance is designed to protect the external glazing and façade elements of your building, as part of a wider office block or property owners policy, or on a more specific basis where required.
What Can Glass, Windows & Facade Insurance Cover?
Cover varies by insurer and building type, but typically includes accidental damage to external glazed and façade elements.
- External Glass & Windows – breakage and damage to external panes, shopfront glass, office block windows and display glazing.
- Curtain Walling & Glazed Facades – structural glazing, cladding panels and glass-fronted elevations.
- Impact Damage – damage from vehicles, falling objects, construction incidents or accidental impact.
- Vandalism & Malicious Damage – smashed glass, graffiti on facades and targeted damage.
- Storm & Weather-Related Damage – windborne debris, storm-driven impact and extreme weather events (as per policy terms).
- Emergency Boarding-Up – temporary boarding and securing of the building after glass breakage.
- Specialist Access & Working at Height – scaffolding, platforms and specialist contractors needed to repair high-level facades (where covered).
- Signage & Glazed Entranceways – external doors, revolving doors, entrance glazing and branding panels.
- Optional: Internal Glass – reception walls, atriums and internal partitioning glass (where included in the wider policy).
Why Glass & Facade Cover Matters for Office Blocks
Modern commercial buildings rely heavily on external glazing and façade systems, which can be expensive and complex to repair.
High Repair Costs & Access Requirements
- Large glass panels, bespoke facades and curtain walling can be costly to replace.
- High-rise buildings often require specialist access, MEWPs or scaffolding.
- Glazing damage may also expose security and weatherproofing vulnerabilities.
- Dedicated cover helps ensure funds are available to repair façade damage properly.
Protecting Tenants, Image & Compliance
- Visible damage can affect tenant satisfaction and building reputation.
- Broken glass or unsecured facades may pose health & safety risks.
- City centre and retail locations are more exposed to accidental and malicious damage.
- Comprehensive office block insurance should recognise the value of external appearance.
FREQUENTLY ASKED QUESTIONS
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Is glass cover included in my standard office block insurance?
Many commercial property policies include some glass cover, but limits, excesses and definitions vary. Larger or heavily glazed buildings often need enhanced glass and façade cover. We can review your policy schedule and highlight any gaps.
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Does this cover internal as well as external glass?
Some policies extend to internal glass such as partitions, atrium glazing and reception areas, while others focus only on external windows and facades. We can arrange cover tailored to how your building is constructed and used.
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Are storm and weather events covered?
In many policies, storm and weather-related glass damage is covered as part of buildings insurance, but specific terms and exclusions apply. We’ll confirm exactly what is and isn’t included under your chosen insurer’s wording.
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Does the policy pay for boarding-up and temporary repairs?
Yes, most commercial glass and façade covers include emergency boarding-up and making safe following insured damage. The aim is to secure the premises and protect tenants until full repairs can be completed.
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Can you review our existing office block policy for glass & facade gaps?
Absolutely. We can review your current buildings schedule, identify any limitations around glass, curtain walling and façade cover, and recommend options to improve protection for your specific property.