Last Updated: February 22, 2024, 2:58 pm by TRUiC Team

Stained Glass Business Insurance

Getting insurance for your stained glass business is essential. This is because stained glass businesses need to be protected against things like bodily injuries, property damage, and contract disputes. 

For example, an employee damages a customer’s property while installing a stained glass into their home, or a customer claims that your business failed to deliver the agreed-upon product.

We’ll help you find the most personalized and affordable coverage for your unique business. 

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Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.

Best Insurance for a Stained Glass Business

General liability insurance is — generally speaking — one of the most important insurance policies for stained glass businesses. 

Some of the risks general liability insurance covers are:

  • Bodily injury
  • Property damage
  • Medical payments
  • Legal defense and judgment
  • Personal and advertising injury

Even so, a general liability policy will likely not be enough to “fully” protect you from all foreseeable harm.

This is because it will not cover you from a variety of different risks, such as those that relate to:

  • Property damage or theft
  • Employee injuries
  • Lost income
  • Negligent acts or omissions

When you are ready to purchase your business coverage, you will need to find the right insurer for your business. Even though there are several great options, most of them fall within one of the following two categories:

  • Traditional brick-and-mortar insurers (e.g., The Hartford, etc.). 
  • Online insurers (e.g., Tivly, etc.). 

Let's Find the Coverage You Need

The best insurers design exactly the coverage you need at the most affordable price.

Cost of General Liability Insurance

On average, stained glass businesses in America spend between $300 - $600 per year for $1 million in general liability coverage.

Compare the average cost of general liability insurance for a stained glass business to other professional industries using the graph below.

Several factors will determine the price of your policy. These include your:

  • Location
  • Deductible
  • Number of employees
  • Per-occurrence limit
  • General aggregate limit

You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.

A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.

Graph showing average price of general liability insurance prices per industry

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Find the Best Rate

Discover the best coverage at the lowest rate in our low-cost business insurance review.

Common Situations That General Liability Insurance May Cover for a Stained Glass Business

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Example 1: While entering your restroom, a customer slips on some wet flooring, breaks an arm, and decides to sue you for damages. General liability insurance would cover your legal defense costs and any required settlement.

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Example 2: A competitor files a lawsuit against your business for libel. While you disagree with the accusation, you know you need to hire a lawyer to protect your business. General liability insurance would pay for your legal defense and any required settlement.

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Example 3: During a tour of your facility, a visitor trips over a box, breaks a wrist, and asks your business to pay for his medical treatment. General liability insurance would cover his medical expenses.

Other Types of Coverage Stained Glass Businesses Need

While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage:

Product Liability Insurance

While you strive to produce beautiful stained glass products that satisfy your customers, there’s always a chance someone might decide your product caused them injury. In the event of a lawsuit, product liability insurance would cover your legal fees and any required settlement.

Commercial Property Insurance

You made a major investment in the equipment and supplies you use to create your stained glass products. In the event of a fire, theft, or natural disaster, commercial property insurance would cover the cost of repairing or replacing your business-related property. This includes structural damage to your building and the business materials stored there.

Workers’ Compensation Insurance

If you have any employees, most states will require you to carry workers’ compensation insurance for your part-time and full-time workers. This coverage protects your employees if they become injured at work or fall ill after a work-related accident. It not only covers an employee’s medical bills and lost wages if they need time to recover, but also any disability or death benefits stemming from a workplace accident.

Commercial Umbrella Insurance

While your general liability insurance policy covers most claims, some accidents or lawsuits may be so catastrophic that they threaten to exhaust the limits of your primary coverage. Commercial umbrella insurance protects you from paying out-of-pocket for any legal fees and awarded damages that exceed your primary policy.

Additional Steps To Protect Your Business

Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.

Here are several things you can do to better protect your stained glass business:

  • Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
  • Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
  • Stay up to date with business licensing.
  • Maintain your corporate veil.

Stained Glass Business Insurance FAQ

Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance. Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.

A typical business owner’s policy includes general liability, business interruption, and commercial property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company’s needs.

"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.

Yes, you do. 

This is because the nature of business insurance means that it will only be useful if it’s purchased proactively, and so you will want to ensure that you have acquired it before you begin interacting with clients and/or hiring employees. 

Not necessarily. Certain exceptions may be written directly into your stained glass business insurance policy, and some perils may be entirely uninsurable.

Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.

An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.