Introducing a Smarter Way to Cover Glass: Plate Glass Insurance Now Available

Brokers are constantly balancing speed, efficiency, and ensuring their clients are properly protected. At Berkley Insurance Australia, we understand that placing business shouldn’t require juggling multiple policies to meet common leasing or operational requirements.

That’s why we’re excited to introduce a new optional Plate Glass cover extension now available under our Public & Products Liability (PPL) policy.

This new offering is designed to simplify placement, reduce duplication, and save brokers’ valuable time.

One Policy. Less Friction.

Traditionally, clients requiring glass cover particularly those operating from leased premises often needed a separate property or package policy. This added complexity, increased administration, and slowed down the quoting process.

With our new Plate Glass extension, you can now:

Optionally add glass cover directly into a Public & Products Liability policy

Avoid placing a separate policy purely for lease compliance

Streamline placement for many occupations

Save time – bundle your Public & Products Liability with glass cover under one policy.

Retail and commercial ease agreements generally require tenants to indemnify landlords for accidental glass breakage for shopfronts, offices, and customer-facing environments.

This extension is designed to respond to that need, providing cover where:

The insured is contractually liable to the landlord

Breakage occurs during the period of insurance at the premises

The loss relates to fixed glass such as shopfronts and internal glass

This alignment between our Plate Glass extension and lease-driven requirements and obligations relating to accidental glass breakage, makes it highly relevant for a wide range of SME clients.

Simple, Flexible Options

The offering has been structured for ease of use:

Two sub-limit options:

• $5,000
• $10,000

Annual Premiums start from $200 plus applicable GST and stamp duty for $5,000 cover to add our Plate Glass extension to your PPL policy.

An excess of $500 applies to each claim.

Available at key touchpoints

• New business quotes
• Renewals
• Mid-term adjustments

Quick to apply

• Integrated into existing workflows and systems
• No need for additional policy setup
• Also available on-line via our bindIT portal

This flexibility ensures brokers can respond quickly to client needs without unnecessary back-and-forth.

Built for Efficiency

This enhancement is about more than just coverage – it’s about improving the broker experience. Key benefits include:

• Reduced Administration
  • No need to source or manage a separate policy for glass cover.
• Faster Placement
  • Add cover during the quoting process with minimal effort.
• Cleaner Policy Structure
  • One policy, one renewal date, one set of documents.
• Improved Client Experience
  • Clients benefit from having one set of documents.

Targeted Appetite

The Plate Glass extension is available for:

• Office-based businesses
• Retail and shopfront exposures
• Professional service providers with client-facing premises

Why This Matters

This isn’t just another add-on – it’s a practical solution to a common broker challenge.

By integrating placement of Plate Glass cover within Public & Products Liability, Berkley Insurance Australia is helping you:

• Reduce friction in the placement process
• Deliver more efficient outcomes to clients
• Differentiate your service offering

Speak to an Underwriter Today or add it on-line via our bindIT portal.

Berkley Insurance Company (limited company incorporated in Delaware, USA) ABN 53 126 559 706 t/as Berkley Insurance Australia is an APRA authorised general insurer. Information provided is general only, intended for brokers and has been prepared without taking into account any person’s particular objectives, financial situation or needs. Insurance cover is subject to terms, conditions, limits, and exclusions. When making a decision to buy or continue to hold a product, you should review the relevant policy documents.

Applications subject to underwriting criteria. Cover available for retail and commercial premises only.