Insurance for Solar Entrepreneurs
Protect your solar business from installation errors, property damage, worker injuries, and warranty claims. Get comprehensive coverage for renewable energy professionals.
Unique Risks Solar Entrepreneurs Face
Solar installation and sales professionals face specific liability exposures that require specialized insurance coverage.
Installation Errors
Improper installation can cause roof damage, electrical fires, or system failures, leading to costly repairs and lawsuits.
Property Damage
Working on roofs and electrical systems can result in damage to customer property, requiring expensive repairs.
Worker Injuries
Roof work and electrical installation are high-risk activities that can result in serious injuries to employees.
Warranty Claims
System failures or performance issues can lead to warranty disputes and customer lawsuits.
Regulatory Compliance
Building codes, electrical codes, and solar regulations vary by location and can result in fines and penalties.
Performance Guarantees
Promised energy savings or system performance that isn't delivered can lead to customer disputes and lawsuits.
Essential Coverage for Solar Entrepreneurs
These coverages are essential for protecting your solar business from common risks and regulatory requirements.
General Liability
Protection against bodily injury, property damage, and personal injury claims.
- • Customer injuries during installation
- • Property damage to homes
- • Roof damage claims
- • Electrical damage
- • Third-party injuries
Workers Compensation
Required in most states for employees. Covers work-related injuries and illnesses.
- • Roof fall injuries
- • Electrical shock injuries
- • Lifting and strain injuries
- • Medical expenses
- • Lost wages
Errors & Omissions (E&O)
Professional liability for mistakes, design errors, and service failures.
- • Design errors
- • Installation mistakes
- • Performance guarantees
- • Warranty disputes
- • Professional advice errors
Commercial Auto
Protection for work vehicles used for installations and sales calls.
- • Vehicle accidents
- • Equipment damage
- • Cargo coverage
- • Hired/rented vehicles
- • Non-owned vehicles
Real Claims Scenarios
These are actual claims that solar entrepreneurs face. Without proper insurance, these could be devastating.
Roof Damage During Installation
A solar installer accidentally damaged a customer's roof during panel installation, causing water leaks and requiring $15,000 in roof repairs.
System Performance Dispute
A customer sued a solar company for $30,000 after their system failed to produce the promised energy savings due to design errors.
Worker Fall Injury
An employee fell off a roof during installation, suffering serious injuries that required $50,000 in medical treatment and lost wages.
Coverage Recommendations
Recommended coverage limits based on business size and installation volume.
Small Solar Business
Medium Solar Business
Large Solar Business
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