This post was originally published on July 21, 2011, and updated on June 12, 2020.

Class Code 5462 Workers Comp for Glaziers

Definition: Glaziers Rate Code 5462 applies to glass merchants employees engaged in the delivery and installation of plate glass windows, storefronts replacement of glass, or mirrors away from glass merchant shop.
Pricing: Code 5462 Glazier – Away from Shop & Drivers has seen a steep increase this year of 34.5% (2011)
Who’s Writing this Coverage: Most NYS Glaziers think the NY State Insurance Fund is their only option, however a few specialty carriers will writer WC Code 5462 if the business has a favorable loss history.
Who Can Use It: NY Glazier contractors involved in installation or NY Workers Compensation Rates, Code 8232 Building Materials

Workers Comp Code 5462 also encompasses the installation or replacement of window glass in houses and commercial buildings (regardless of height).

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GLAZIERS
Category: Service Businesses

SIC CODE: 1793 Glass and Glazing Work
NAICS CODE: 238150 Glass and Glazing Contractors
Suggested ISO General Liability Code: 13590
Suggested Workers Compensation Code: 5462

Description of operations

Glaziers install and repair plate glass, glass block, and related products, such as mirror and Plexiglas. Their primary work is on exterior glass, but they may also install and repair interior plates and mirrors. They frequently offer repair and replacement services. They also may be involved in art or stained glass manufacture or restoration, lead glass manufacture, or glass blowing operations.

Typically, the glazier measures the window openings, obtains the materials from a supplier, and returns to complete the installation. Plate glass must be cut to size and the edge sanded, fitted into the frame, secured with glazier’s points (small metal clips), and sealed with an adhesive. Specialty glass, such as insulated or security glass, must be ordered to size since it normally cannot be cut.

Types of Business Insurance for Glaziers

Property exposures consist of office operation and material, equipment, and vehicle storage. Combustibles include the packing and wrapping materials used to package and protect the glass. Ignition sources include electric wiring and equipment, welding operations (if cutting and welding are done on-premises), and chemicals and flammables used to cut, polish, laminate, tint, or bend the glass. These operations should be conducted separately from storage areas.

Crime exposure is primarily from employee dishonesty and theft of money and securities. Lack of control over pre-employment background screening and separation of duties increases the exposure.

Inland marine exposure is from accounts receivable, contractors’ tools, goods in transit, and valuable papers and records. Glass plate is highly susceptible to breakage, scratching and marring. Drivers must be trained in proper loading and tie-down of the glass since any loss is likely to be a total loss. Contractors’ tools, including employees’ tools, are generally specialized for glass cutting and installation.

Premises liability exposures are limited due to a lack of public access to the premises. Off-premises exposures at the job site can result in bodily injury to customers, passersby, and employees of other contractors or property damage to property of others, especially if the glass is installed above ground level. Hazards include falling tools, glass, or other items.

Products liability exposure may result from faulty installation or faulty fabrication of the glass. The severity potential increases with the height of the exterior installation.

Automobile exposures are high due to the pickup and delivery of glass and large plates. The transport vehicle is of an unusual design so training in the handling of the vehicle is important. Any emergency repair services offered may result in time pressures, as well as travel in unfamiliar areas. Age, training, experience, and records of the drivers, as well as age, condition, and maintenance of the vehicles, are all important items to consider.

Workers comp for Glaziers exposures arise most often from cuts, which can happen throughout the entire glazing process. Burns and welding exposures may also occur while cutting glass. Installation exposures are light for interior work, although strains and even repetitive motion injuries are possible. With work at heights, the hazards can be severe. Any time work is done on ladders and scaffolds, there is a potential for injury from falling or being struck by falling objects. Back injury, hernia, and other lifting losses may result. Eye injuries and exposure to dust and chips during cutting are common. Experience, training, and use of protective equipment are all items to evaluate.

Minimum recommended insurance coverage for Glaziers

Business Personal Property, Employee Dishonesty, Money and Securities, Accounts Receivable, Contractors’ Tools and Equipment, Goods in Transit, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Nonownership Auto Liability, Workers Compensation.

Other coverages to consider:

Employment-related Practices Liability, Stop Gap Liability

workers comp for glaziers NY