Cover for the accidental breakage of large glass such as a building's exterior walls, show windows, façades and entrance doors. A dedicated cover beyond the glass-cover limit of fire and property-comprehensive insurance.
N2N Insurance Brokerage does not represent any single insurer — it independently represents the client as an FSS-registered broker (Reg. No. 2026-012201). We compare the wordings, rates and service of AIG · Chubb · DB · Hyundai · KB · Meritz to propose the cover and price best suited to your risk. Each insurer's full wording is provided at application and binding.
Cover for the accidental breakage of large glass such as a building's exterior walls, show windows, façades and entrance doors. A dedicated cover beyond the glass-cover limit of fire and property-comprehensive insurance.
Large show windows.
Curtain-wall façades.
Display glass.
| Large façade | High-value curtain wall |
|---|---|
| Emergency substitute | Cost of temporary film / plywood |
| Policy period | 1 year |
|---|---|
| Insurer | Hyundai |
| Limit | Glass replacement value |
| Turnaround | 1–2 weeks |
| Channel | Individual consultation with our broker (010-5755-6465) |
If the insured event has already occurred at the time the contract is made, the contract is void. However, where the contract is void due to the company's intent or negligence, or where the company knew or could have known of the nullity before acceptance yet did not refund the premium, the company refunds the premium with interest at the policy-loan rate published by the Korea Insurance Development Institute, compounded annually, for the period from the day after payment to the day of refund.
The specific losses not covered (exclusions) are set out in each insurer's policy wording and product description; on this page, see the “Cover” tab(or the “Losses not covered” section) for the main exclusions. For other cover-specific grounds on which claims are not paid, please refer to the policy wording.
The company provides cover, in accordance with the policy, from the time it accepts the application and receives the first premium. Where the company accepts the application after receiving the first premium with it, cover also begins from the time the first premium was received.
The application must be completed by the policyholder, and the policyholder and the insured must sign it by hand. Failure to sign by hand may result in disadvantages regarding the validity of the contract. On an internet cyber-mall, an electronic signature may be used instead.
The policyholder has the right to be given and have explained the information needed about the product they wish to buy.
The insurer and N2N Insurance Brokerage must explain the important matters of the product to ordinary financial consumers.
When applying, the policyholder, the insured or their agent must disclose truthfully the facts they know regarding the questions in the application (including the questionnaire). Otherwise the claim may be declined or the contract cancelled. Where insurance is taken out by telephone or other means of communication, the duty is performed by answering the seller's questions, which are recorded, without a separate written questionnaire, so answers must be given with particular care.
If, after the contract is made, any of the following arises in respect of the subject-matter insured, the policyholder or the insured must notify the company in writing without delay and obtain endorsement on the policy.
The surrender value is the amount paid if the contract is cancelled early. Unlike bank savings, insurance combines risk protection and savings: part of the premium is paid out as claims to other policyholders who suffer accidents, and part covers the insurer's operating expenses, so the surrender value on early cancellation may be less than the premiums paid, or nil.
Under Article 59-4(1) of the Income Tax Act (special tax credit), for protection-type insurance taken out by an employee only, a tax credit of 12% of the premium paid (capped at KRW 1 million per year) is available. Tax matters may change with amendment or repeal of the relevant tax law.
Except as provided by law, the insurer and N2N Insurance Brokerage do not collect, use, inspect or provide personal data related to this contract — for its conclusion, maintenance and claim payment — without the consent of the policyholder, the insured or the beneficiary. However, for those purposes the insurer may, with the consent of the policyholder and the insured and in accordance with law, provide personal data to other insurers and insurance-related bodies.
The above is a summary and excerpt of the policy wording; for grounds on which claims are not paid and other details, please refer to the policy wording and product description.
Risk patterns that come up often in glass-facility operation — a five-scenario self-check
Large show windows can break from external impact or flying debris, and the replacement cost is high.
Curtain-wall and façade glass covering a building's exterior carries a large replacement scale and cost when broken.
Automatic and revolving-door glass with heavy user traffic carries breakage risk from impact.
Glass in display spaces can directly affect exhibition operations when broken.
For high-value, large glass installations the sub-cover of ordinary property insurance may not be sufficient.
Glass can be handled as a sub-cover of ordinary property insurance, but for high-value, large glass installations a dedicated policy is the better design. When a show window, façade or curtain wall is broken by external impact, strong wind or flying debris, it is not just the cost of the glass: there is the manufacture, transport and installation cost of large glass, and the emergency-substitute cost of fitting temporary film or plywood until replacement is complete. Glass insurance covers such breakage loss and the emergency repair/replacement costs. But ordinary wear and ageing and gradual corrosion/discolouration are excluded, and glass breakage during construction is carved out into the Contractors' All Risks (CAR) area.
Source: (General industry example)
The wording and structure points decision-makers most often overlook
Ordinary wear and ageing over time, and gradual corrosion or discolouration, are not covered. Glass insurance covers "breakage" from external impact and the like.
Glass breakage arising in the course of installation or construction is carved out into Contractors' All Risks (CAR), not glass insurance.
Large façades and high-value curtain walls have a high replacement cost and need emergency-substitute measures. Check that the special cover matching the facility is included.
The questions decision-makers ask most when considering glass insurance
It covers loss and emergency repair/replacement costs where glass such as show windows, automatic doors, façades and curtain walls is broken by an external impact, strong wind or flying debris.
Glass can be handled as a sub-cover of ordinary property insurance. But for high-value, large glass installations the replacement cost is high, so designing a dedicated policy gives fuller cover.
Exclusions include ordinary wear and ageing, gradual corrosion or discolouration, intent/gross negligence, and breakage during construction works.
Glass breakage arising in the course of construction works falls under Contractors' All Risks (CAR), not glass insurance.
Emergency measures such as fitting temporary film or plywood until replacement is complete can be within the cover. The specific scope should be checked in the wording.
The insurer assesses it on the area, height and type of glass, the facility's location and risk, the limit and endorsement structure, and past breakage history. The exact premium and acceptance terms are confirmed after underwriting by insurers such as AIG, Chubb, DB, KB, Meritz and Hyundai.
