Insurance for solar installers.
General liability, workers’ comp, auto, and an installation floater for residential and commercial solar installers, covering roof penetrations, battery installs, and panels on site before the owner signs off.
What solar installers usually carry
- General liability, $1M / $2M
- Workers’ comp
- Commercial auto
- Installation floater
- Tools and equipment
- Errors and omissions
- Umbrella
Watch for these in a solar installer’s policy
- Roof penetrationsLeaks around mounts are the most common solar claim. Some policies treat racking as roofing work, which they exclude or rate far higher.
- Battery storageBattery installs add a fire exposure. Some policies exclude storage systems or rate them on their own, so list them if you install them.
- Panels before sign-offPanels and inverters in your truck, on site, or on the roof before the owner accepts the job are your risk. An installation floater covers them. General liability does not.
- Production promisesA claim that a system makes less power than you promised is about design and sales, not injury or damage. General liability will not answer it. Errors and omissions may.
What GCs, developers, and financing partners ask solar installers for
- Additional insuredOwners, GCs, and the financing partner that owns the system, for ongoing and completed operations.
- Waiver of subrogationOn general liability, auto, and workers’ comp.
- Installation floaterCommercial contracts ask you to carry the equipment until it is accepted.
- UmbrellaCommercial and utility-scale projects often require one.
Questions solar installers ask
Straight answers.
The questions we hear most, answered plainly.
Who pays if a roof leaks after we install panels?
Your general liability usually pays for the water damage inside. Resealing the penetration itself is your own work, which the policy does not pay to redo.
Are panels covered while they sit on a job site?
Not by general liability. An installation floater covers equipment in transit, in storage, and on the roof until the owner accepts it.
Do I need errors and omissions for solar design?
If you size systems or promise production, often yes. It answers claims that a system underperforms, which general liability does not.
Can I pay monthly?
Yes. Most policies can be paid in full or monthly.
Contractors and trades
Related industries.
Don’t see yours? See every industry, or tell us what you do and we’ll quote it.
General liability, $1M / $2M, Workers’ comp, Commercial auto
Steel erectionGeneral liability, $1M / $2M, Workers’ comp, Commercial auto
Sheet metal contractorsGeneral liability, $1M / $2M, Workers’ comp, Commercial auto
Appliance installersGeneral liability, $1M / $2M, Commercial auto, Motor truck cargo
Septic contractorsGeneral liability, $1M / $2M, Contractors pollution liability, Commercial auto, with pollution for the load
Utility contractorsGeneral liability, $1M / $2M, Workers’ comp, Commercial auto