The 60-second version
Plate glass rider covers accidental breakage of fixed glass — shopfronts, display windows, facade glazing. I add to commercial package policy or shop insurance with declared replacement value.
Standard fire policy excludes glass breakage — rider is explicit
Returning NRI opening café, showroom, or clinic with large glazing needs plate glass rider — base fire policy does not cover accidental glass breakage.
Sum insured equals replacement value including fitting cost — under-insurance reduces claim proportionally.
Terrorism / riot may need separate add-on — verify exclusion list on proposal form.
Shop compliance: Shop Act guide.
Glass cover options
| Cover | Typical SI | Premium driver |
|---|---|---|
| Plate glass rider | Replacement value | 0.3–1% of SI |
| Neon / signage | Separate add-on | Theft + breakage |
| Residential windows | Rare — home policy | Usually excluded |
| Curtain wall facade | High SI | Engineer valuation |
| Temporary hoarding | Short-term policy | Event cover |
Plate glass rider sequence
Measure glazing
Contractor quote for like-for-like replacement.
Declare SI
Full replacement incl. labour on proposal.
Add rider
Commercial package policy endorsement.
Photograph install
Baseline condition for claims.
Claim protocol
Notify insurer + police if vandalism — replace then reimburse per policy.
Claim flow
Plate glass rider kit
- Glazier quote.
- Policy schedule.
- Shop photos.
- Trade licence copy.
- Incident FIR template.
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Under-insurance
SI below replacement cost triggers average clause — insure full glazier quote.
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Home balcony glass?
Residential policies rarely include — specialist home glass rider uncommon.
Earthquake crack?
EQ rider separate — plate glass accidental only.
Tenant shop?
Tenant can insure if lease assigns glass repair obligation.
Vandalism riot?
May need riot strike add-on — check exclusion.
NRI owner abroad?
Vacancy endorsement if shop shut — inform insurer.
Bundled with burglary?
Often same commercial package — separate limits per section.
The plan is only as good as the sequence.
Tax, banking, schools, shipping — they all have dependencies. A wrong order costs months and lakhs. Get it right.