Other Than Life (OTL) Practice Exam

Which additional coverage cannot be insured under a Glass policy?

1. Cost of boarding up or temporary glass

2. Damage to window sashes and showcase frames

3. Removal and replacement of fixtures

4. Damage to items in show window

The correct answer is: Damage to items in show window

A Glass policy primarily covers any damage to glass installations, including windows and showcases, but it typically does not extend coverage to the contents that may be within those installations. Therefore, damage to items inside a show window would be excluded from the Glass policy coverage because such items are considered personal property rather than part of the structural glass. On the other hand, costs associated with boarding up or temporary glass, damage to frames or sashes, and removal and replacement of fixtures fall within the scope of a Glass policy, as they relate directly to the integrity and maintenance of the glass itself. The purpose of a Glass policy is primarily focused on ensuring the glass features of a property are protected and can be repaired or replaced, rather than insuring the contents that may be displayed.