WEGs with large entrance glazing, glass doors, stairwell windows, canopies, winter gardens, or commercial units.
Coverage
Coverage for shared glazing and expensive glass components
Glass insurance
Glass insurance can cover breakage of insured glass elements in common property, including entrances, stairwells, canopies, glass facades, doors, and sometimes special glazing.Program fitGlass insurance
- Breakage of insured building glass and shared glass components.
- Costs for emergency glazing, replacement, installation, and sometimes scaffolding or crane costs.
- Special glass elements when they are correctly declared and not excluded.
Who this is for
Ingo separates WEG object insurance from the property manager's own business risk, so owners and managers can make cleaner decisions.
Buildings where repeated glass damage would otherwise lead to special assessments or disputes.
Managers who want clear separation between building claims and smaller recurring glass breakage.
What to watch
WEG insurance decisions need to be understandable for owners while still being precise enough for underwriting, claims, and renewals.
The policy must distinguish common property from private unit glass and tenant improvements.
Large or special glass elements can be expensive to replace and may need explicit inclusion.
Small claims can affect renewal discussions if they are not managed separately from major property risks.
How Ingo reviews it
A clear review turns policy wording, object data, claims history, and owners' meeting decisions into practical options.
Identify common glass elements and separate them from private unit responsibility.
Review whether special glass, canopies, facades, lifts, and commercial areas are included.
Compare whether glass should be standalone, bundled, or intentionally uninsured for the WEG.
Review checklist
Bring these materials to a broker conversation so the review can move from policy labels to concrete terms.
- Photos or list of larger shared glass elements
- Declaration of division for common versus private property boundaries
- Existing glass policy or building policy glass clause
- Claims history for glass breakage
Common questions
Does building insurance already include glass?
Sometimes only in limited cases. Dedicated glass coverage should be checked when the building has expensive or frequent shared glass exposure.
Does WEG glass insurance cover apartment windows?
That depends on the declaration of division and policy wording. The review should separate common property, private property, and tenant improvements.
Review WEG insurance before renewal pressure starts.
Compare policy wording, deductibles, exclusions, and object data before the next owners' meeting.