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When it comes to an industry that works with generating energy from the sun, there's going to be a lot of parts to care for. Our experts dedicate time to learn more about how your business works within the industry and what it's needs are.
Renewable Energy Liability
Renewable energy is a big ticket for the future and our solutions stretch to help every business.
Solar Installer Contractor Liability
We cover the most valuable workforce the solar industry has. From tailored workers compensation plans that grow with your business to subcontractor liability coverage for specific jobs. Workers safety is a huge risk in the industry, our experts can help you along the way.
There are many different contractors needed for every type of solar job. Managing all of these risks can be time consuming and difficult. Our experts can put together liability umbrellas to simplify your risks and get all your trade help covered. Trade contractors have different risks to consider depending on a number of different work risk factors. Versatile contractors need flexible coverage to avoid overpaying as well as remaining covered on riskier jobs.
Some of the more flexible contractors that can save on their insurance policies are:
Engineering, Procurement, Construction (EPC) Contractors
General Labor, Electrical, and some other Trade-Specific Subcontractors
Installation, Operations, and Maintenance Contractors
A common example of a good blanket solution for longer jobs:
- Equipment Floater – Protect the value of labor and materials of the work in progress in the event that it is damaged by theft, vandalism, fire, windstorm, etc. Coverage starts while solar panels are in transit to the jobsite and ends once the job is completed or the owner accepts the work.
Check out our page on Contractors Insurance
Special Coverages - Drone Coverage
Drones are increasingly becoming an industry tool to survey land and diagnose solar farm issues. For expensive drone teams we can tailor extra liability to cover expensive equipment as well as any mistakes that happen from device malfunction.
Solar Industry Liability Tips
Enforce Physical Security Measures
Beyond firewalls and electronics, physical security is very important in protecting solar and wind installations from thieves and vandals. One easy way to prevent this is by making sure to physically secure computers and other devices with access to the network, and make sure that only authorized personnel have access to them at any time.
Establish and Maintain Proper Physical Security Around Installations
Gaining easy access to locations can make your business a goldmine for thieves and vandals. Limit access to any rooftop solar installations by securing access hatchways or doors. If you’re contracting an independent third party to maintain systems, coordinate logistics with building tenants, including contact name, necessary keys and time of day that will be necessary to gain access to the roof. For ground-level solar farms, maintain any fencing and make sure the locks are in a suitable condition for the risk.
Investigate Ground Level Conditions
If your operations are on ground level, make sure any inverters and other equipment used to transfer electricity to the power grid are properly elevated above base flood levels. Where an acre of rural land has been turned into a solar farm, standing water could flood installations.
A common example of a good blanket solution for lowland jobs:
- Optional Mold Coverage Endorsements – Most construction-related lawsuits in the solar industry involve water intrusion. Commercial liability policies typically deny mold-related claims. Our comprehensive plans include mold coverage in addition to other business-related coverage.
We have the experience to tailor your insurance policy to what you need and the markets to ensure your costs won't hinder your company's growth.
Check out our blog for more business risk information here or fill out the short form below to have an expert get in touch.