What are common exclusions in a Glass Insurance Policy?

A Glass Insurance Policy typically covers damages to glass from various incidents, but certain exclusions are standard due to the nature of the coverage. Common exclusions often reflect risks that are considered too broad or otherwise not specific to glass.

Fire, war, and nuclear energy hazards are generally excluded because they fall outside the realm of typical glass coverage. These situations involve events that can cause extensive damage beyond just glass repair or replacement, which may not be fiscal scenarios glass insurance is designed to address. Consequently, the intention of glass insurance is to specifically cover instances like breakage, rather than catastrophic events which could lead to broader property claims.

In contrast, wear and tear or accidental damage, acts of vandalism, theft, and natural disasters are typically considered under broader insurance policies or may be addressed through specific riders. Therefore, they often do not apply universally as exclusions in the context of a Glass Insurance Policy, as certain types of damage like vandalism may indeed be covered depending on the policy terms.