--- title: "Climate" description: "Climate tech and cleantech insurance help: property, builders’ risk, equipment breakdown and professional liability, separated by service, installation and site." canonical: "https://spot.insure/insurance-for/climate" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-for/climate) ## Agent Guide **What this page is:** Climate tech and cleantech insurance help: property, builders’ risk, equipment breakdown and professional liability, separated by service, installation and site. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for Climate Companies Get quotes from climate insurance providers with Spot. We get quotes for your advice, hardware and project sites, compare them with you and help you buy before the pilot goes live. - Advice, software and installed equipment quoted separately - Flood and downtime terms checked against the actual form - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=commercial-property&industry=climate&icp=startups). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **Tell us what you sell and install.** Your Spot team describes what you sell, whether software, engineering, recommendations, equipment, installation or an operating service, so brokers can price a bad forecast and a damaged device as separate risks. 2. **Track who owns the equipment until handover.** We record who owns materials and installed systems before, during and after commissioning, then ask brokers which form insures each stage and when responsibility shifts. 3. **Get written answers for your address.** We work with brokers to take your submission to market and collect written answers on property, flood, equipment breakdown, interruption and liability for your actual address and equipment list. ## Who we help - **Climate software and analytics.** Customers act on your forecasts, measurements or risk recommendations, so an error can lead to a claim. - **Hardware deployers.** You install batteries, sensors or inverters at customer sites, where a failure can stop a pilot. - **Project developers.** Materials and equipment sit on a site under construction until testing and handover. - **Field service teams.** Your staff install and maintain equipment across states, each with its own workers’ compensation rules. ## Coverage - [Commercial property](https://spot.insure/insurance/commercial-property) - [Builders risk](https://spot.insure/insurance/builders-risk) - [Equipment breakdown](https://spot.insure/insurance/equipment-breakdown) - [Product liability](https://spot.insure/insurance/product-liability) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) ## When to get this coverage - **You’re installing a pilot at a customer site.** Decide who insures the device you installed and who answers for the recommendation it informs. They’re usually different policies. - **A project is under construction.** Ask who insures work and materials at each stage, and what changes at testing, commissioning and handover. - **Your site sits in a flood zone.** An NFIP business policy addresses direct flood damage to building and contents and excludes lost income from downtime. Ask whether any private flood quote treats interruption differently. - **A battery or inverter failure would stop operations.** Name the equipment and ask whether breakdown terms include resulting damage, temporary equipment or lost income. - **You’re raising against a hardware rollout.** Investors may ask how deployed assets are protected. Get the property and breakdown answers written down before diligence. ## Common questions Also known as climate tech insurance, climate tech company insurance, cleantech insurance, clean tech company insurance and greentech insurance. ### What does climate tech insurance usually cover? It’s a set of policies rather than one: property, builders’ risk for projects under construction, equipment breakdown, product liability, professional liability for your models and advice, and workers’ compensation. Spot sorts out which parts of your business need each. ### Will an NFIP policy pay for downtime after a flood? No. NFIP business coverage addresses direct flood damage to building and contents, with separate limits and deductibles, and excludes business-interruption losses. ### Does product liability cover a missed carbon or performance target? Products terms address bodily injury and property damage. Carbon-credit performance, remediation and contractual guarantees are separate questions Spot raises with each broker. ### Can a climate-risk map tell us whether our site is insurable? No. Local planning maps help you ask good questions about a site. Insurers decide eligibility and terms for the actual address. ### Which policy covers an error in our model or recommendation? That’s a professional liability question. Spot checks whether your model outputs, engineering and recommendations fall inside the described service in each proposal. ### Our broker knows property but not climate tech. What are our options? Keep them, and Spot works alongside them on your installation and service details, or switch to a broker who places more climate and energy projects. Spot takes no commissions on premiums in either case. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/climate.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)