In practice, a lot of time can be spent arguing over plate glass insurance and whether T should be provided with a letter of waiver (excluding T from having to comply with an obligation to insure plate glass), and provide a copy of the policy to L. Often this is a waste of time; plate glass is usually part of the demise to T and covered by T’s repairing liability. L’s insurance policy for the building will normally exclude plate glass and it should therefore be up to T to decide whether or not he wishes to insure the plate glass separately (ie there should be no need for a specific clause – it is just part of T’s ongoing and general liability). But, if the building contains a glass frontage then thought should be given as to who is liable for the insurance and whether the plate glass is actually part of the ‘structure’. If it is part of the ‘structure’ and T has taken a lease of part, then repair of the plate glass is likely to fall on L via the service charge (and L will then be liable for its insurance). [2007] 201 Property Law Journal 16. © Practical Lawyer