In an effort to counter the growing impact of climate change and improve environmental sustainability, many industries, including the construction industry, are adopting greener practices, by integrating solar panel technology in new residential and commercial & industrial projects, as well as in retrofitting of existing or older buildings.
Solar panel installation is physically demanding and dangerous, combining some of the most injury- prone jobs in the construction industry - roofing, plumbing, carpentry and electrical work.
Solar installers sometimes referred to PV (photovoltaic) installers, face similar risks that most contracting firms operating in the construction industry are exposed to.
Solar Installers Insurance helps protect your business, workers and your customers with key coverages that could include:
- Business Property
- Commercial General Liability that includes Products – Completed Operations
- Commercial Auto
- Inland Marine
- Professional Liability
- Workers’ Comp
- Contractor Umbrella Insurance
What is Solar Installers Insurance?
Solar Installers Insurance is a package of commercial policies designed for contractors who design, sell, install, test or maintain photovoltaic systems. It combines property, liability and specialized coverage — for example, equipment coverage for panels in transit (inland marine) and professional liability for design or performance issues. Common underwriting factors include prior claims history, payroll and subcontractor use, and the types of systems installed.
Who needs it
This coverage is typically sought by solar contractors, rooftop installers, EPC firms, and related trades such as electricians and roofing subcontractors. Manufacturers and retailers of solar components may also carry tailored policies; see resources like Solar Power Insurance for broader industry policy options and Solar Manufacturers Insurance if you produce panels or parts.
What it typically covers
Typical elements include:
- Commercial General Liability for bodily injury and property damage, including products-completed operations.
- Workers’ compensation to cover on-site injuries and occupational illness.
- Commercial auto for trucks and company vehicles used to transport equipment.
- Inland marine or transit coverage for panels and racking systems in transit or storage.
- Professional liability / errors & omissions for design, performance or installation advice.
- Umbrella or excess liability for large claims or multiple claimants.
Common exclusions or limitations
Policies often exclude intentional acts, certain pollution incidents, wear-and-tear or improper maintenance, and damage caused by faulty design that wasn’t covered under a professional liability policy. Many insurers limit coverage for subcontractor work unless subcontractors are named or meet carrier requirements. Exclusions and endorsements vary by carrier and state.
Factors that influence cost
Premiums are influenced by:
- Annual payroll and total project revenue
- Use of subcontractors and their insurance status
- Claims history and loss severity
- Geographic exposure (e.g., working at height, wind or seismic zones)
- Vehicle fleet size and typical driving distances — for vehicle risks see Solar Energy Contractors - Business Auto Insurance
Risk management measures such as fall-protection programs, written safety procedures, and documented training can lower premiums and reduce exposures like job-site hazards and equipment accidents. Example scenario: a falling panel during roof work can trigger both liability and property claims, highlighting the need for combined coverages.
Proof of insurance & compliance
Contractors are commonly asked to provide Certificates of Insurance (COIs) naming project owners or general contractors as additional insureds. Requirements vary by project and jurisdiction; carriers may offer primary/non-contributory wording or waiver of subrogation when requested. Keep current COIs and policy endorsements available for contract bids and permitting.
How to get a quote
Gather basic business information such as years in business, payroll, revenue by operation, vehicle schedules, and loss runs for the past three to five years. Discuss your risk controls and any subcontractor agreements when you apply. If you want help, talk to your agent for guidance and to compare available options.
Frequently Asked Questions
Does a standard contractor policy cover solar panel installation?
Not always. Standard contractor policies may cover general liability and workers’ comp, but specialized exposure like transit of panels, performance guarantees, or design advice may require endorsements or separate policies.
Should I list subcontractors on my policy?
Many carriers require evidence that subcontractors carry their own insurance or be added as insureds. Verify requirements with your carrier to avoid coverage gaps.
Can installation mistakes be covered?
Professional liability (errors & omissions) or specific endorsements can cover design and workmanship errors; standard CGL may not cover pure professional services or performance failures.
Still have questions? Talk to a local insurance expert.