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Insurance Buying Guide for Energy Businesses
For a solar project, put planned testing, commissioning, and customer handover dates beside each asset owner and value. Compare proposed construction, installed-property, equipment-breakdown, and business-income terms across those stages; ask which wording or trigger changes at handover.
Which Insurance Should You Consider for Energy?
Consider builders risk, tools, equipment and inland marine, commercial property, equipment breakdown, workers’ compensation, and product liability. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options.
Builders Risk Insurance for Energy
Your team develops or installs a solar project, and structures, materials, or equipment are on site during construction before permanent operations.
Compare the proposed construction-stage form with later property terms. A published solar offering names structures and materials during construction and related project expenses, but it does not specify commissioning triggers or your project’s eligibility.1,3
Which entity and project property are listed through construction, testing, and commissioning; what values, covered causes, exclusions, and dates mark the handoff?Inland Marine Insurance for Energy
You move solar equipment, components, tools, or test gear from a workshop or supplier to an installation site.
Compare inland-marine terms with fixed-location property terms for the actual shipment and site stages. Do not infer that a line name includes a particular item, route, or installation period.1
Which listed items and values are addressed in transit, while stored at the site, and during installation or testing?Commercial Property Insurance for Energy
A solar project reaches permanent operations and your company owns installed equipment or other business property at the site.
Compare the scheduled location, equipment, values, causes, and exclusions in the proposed property terms. Travelers’ public solar example describes permanent property and operations as addressing business property and resuming operations after disruption; actual wording controls.1,3
At the move to permanent operations, which property and owner interests are listed, what values and causes apply, and what date does the proposal use?Equipment Breakdown Insurance for Energy
A solar project owner or operator depends on a named inverter whose failure could interrupt operations.
Published solar offerings list equipment breakdown for machinery failures. Ask whether proposed terms describe the named inverter and failure scenario, and compare any resulting damage or business-income terms separately.1,3
Does the quote list this inverter and the relevant failure causes, and what trigger, waiting period, limit, or exclusion applies to any claimed interruption?Workers’ Compensation Insurance for Energy
You send employees to install, commission, maintain, or service a solar project.
Give the broker actual field duties and work locations, including states outside California, then compare the proposal’s classifications and employers-liability terms with the crew and work described.1
Who employs each worker, what tasks and states are involved, and which classifications and limits appear in the proposal?Product Liability Insurance for Energy
You supply solar equipment or complete installation work that could lead to bodily injury or property damage.
CGL products and completed-operations terms can address bodily injury or property damage. Separate supplied equipment from installation, commissioning, and continuing service when describing the work; do not infer a response to performance or revenue loss.1
Which products, installation tasks, customer uses, and post-completion duties are described, and what exclusions apply to those activities?
Compare Construction and Operating Terms
Travelers’ public solar program is one market example for commercial and utility-scale developers, owners, operators, and installation or service contractors. It describes offerings from installation through permanent operations: builders’ risk for structures and materials during construction and related project expenses, permanent property and operations to help resume after disruption, and equipment breakdown for machinery failures.3
Use that lifecycle to compare your own quote at construction, testing or commissioning, and operation. Ask which structures and installed equipment are listed, when proposed property terms change, and what equipment-failure and income-interruption triggers, waiting periods, limits, and exclusions apply. The public example does not specify commissioning triggers or your policy terms; have the broker point to the wording and underwriting conditions for your project.3,1
Describe Solar Site Work
For a solar installation, include whether it connects to a distribution system and list the electrical, commissioning, and maintenance tasks. OSHA ties applicable workplace electrical standards to connection type; use this detail to describe the work, not to infer insurance terms.2
Which Providers Should You Compare for Energy?
Builders Risk Insurance Providers for Energy
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Inland Marine Insurance Providers for Energy
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Commercial Property Insurance Providers for Energy
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Equipment Breakdown Insurance Providers for Energy
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Workers’ Compensation Insurance Providers for Energy
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Product Liability Insurance Providers for Energy
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Common Questions About Insurance for Energy
If a project inverter fails, which income should I describe to the broker?
Describe expected generation receipts separately from installation or service fees; these are income categories to discuss, not assumed insured losses. Ask whether proposed business-income wording addresses the named failure, and what trigger, waiting period, and limit apply.1
Read the Full AnswerAt commissioning, how should a developer and installer list their equipment and property interests?
Keep the developer’s project equipment separate from installer-owned tools or test gear. Ask which party’s property interest, custody period, and handover date the proposed terms describe.1
Read the Full AnswerSources and Further Reading for Energy
Get Help With Insurance Buying and Renewals.
Get help buying coverage and managing renewals, with less paperwork for your team. Create your account and submit an insurance request online.