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A broken storefront shouldn't halt your sales
Your glass storefront is the face of your business and, simultaneously, its most vulnerable point. Standard liability insurance often excludes accidental glass breakage, and hiring an emergency glazier can cost four times more than an annual premium. We provide a solution that covers not just material costs, but also the full logistics of rapid glass restoration.
Who is it for?
Retail & Services
Perfect for shops, cafes, pharmacies, and offices with panoramic windows. It protects against vandalism, accidental damage by passersby, or severe weather.
Perfect for shops, cafes, pharmacies, and offices with panoramic windows. It protects against vandalism, accidental damage by passersby, or severe weather.
Price?
From 120€ per year
The cost depends on the glass surface area and the value of your signage. This investment pays for itself at the first sign of a cracked pane.
The cost depends on the glass surface area and the value of your signage. This investment pays for itself at the first sign of a cracked pane.
Turnaround?
24-Hour Repair
The insurer dispatches a certified team for measurement and installation of temporary or permanent protection within one day of the incident.
The insurer dispatches a certified team for measurement and installation of temporary or permanent protection within one day of the incident.
In 2026, Spanish insurers have updated security requirements for commercial premises. For a policy to guarantee coverage against vandalism, it is vital to consider glass thickness and how advertising structures are mounted. Modern “Cristales” coverage goes beyond a simple broken window; it protects the business from indirect losses: if the damage prevents you from opening, the insurance helps mitigate the financial impact.
- Use of security film or metal shutters for ground-floor units.
- Explicit inclusion of lightboxes and 3D signage in the policy.
- Coverage for crane or scaffolding costs when replacing high-altitude glass.
- Protection against graffiti, tags, and acid etching on glass surfaces.
Tools to solve this problem
Zurich Comercios
Zurich Comercios
Zurich Comercios — Commercial Office Insurance in Spain
- Priority emergency dispatch if the breakage compromises building security.
- Coverage for etched, branded, or vinyl-wrapped glass.
- Lower deductibles for securing large commercial storefronts.
Agent's opinion "Many owners assume signage is covered by default, but it must be specifically listed in the contract. In 2026, we strongly advise checking for 'aesthetic harmony' clauses: if the replacement glass doesn't match the existing panels, the insurer is required to replace the entire facade to maintain your brand image."