Your commercial property insurance may or may not have coverage for exterior broken by theft or vandalism. Even if you have the coverage under your commercial insurance policy, the deductible amount of the policy is most likely higher than $1,000. Glass insurance is always a good option. It drops down the deductible to $100 or $150. Also, the claim on the glass insurance does not affect the commercial property insurance’s loss history.
-Are you a tenant leasing business premises, or do you own a building or shop?
You may be responsible for breakage of expensive exterior glass. Sometimes you are required as a tenant to have window glass breakage insurance under the lease agreement.