Best Coverage Types for Solar Contractor Business Insurance Policies
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
Running a solar installation business comes with unique risks. From working at heights and handling expensive electrical equipment to transporting solar panels to client sites, the right business insurance is essential. Knowing which coverages matter most helps solar contractors protect their employees, clients, and operations—without paying for unnecessary policies.
Essential Coverages for All Solar Contractors
Every solar contractor should carry general liability insurance. It protects your business against claims for third-party injuries or property damage, such as accidents on a client’s roof or damage during installation. Many commercial and residential clients require proof of coverage before work begins.
Working on rooftops, handling heavy panels, and dealing with electrical systems puts employees at risk. Workers’ compensation insurance covers medical bills, rehabilitation, and lost wages for on-the-job injuries and is legally required in most states once you hire employees.
If your business uses vehicles to transport panels, equipment, or crews, commercial auto insurance is necessary. Personal auto policies usually do not cover business use, leaving your company exposed in case of an accident.
Additional Coverage to Protect Your Operations
For contractors with warehouses, storage facilities, or offices, commercial property insurance protects tools, equipment, and solar panels against fire, theft, or vandalism.
f your business offers system design, installation guarantees, or technical consulting, professional liability insurance safeguards against claims of mistakes, installation failures, or contract disputes.
An umbrella policy provides extra liability coverage above your general liability and commercial auto policies. This is particularly valuable for solar contractors working on larger commercial or multi-site projects.
Choosing Coverage Based on Your Business
The ideal insurance policy depends on your company size, services, and client types:
Residential Installers: Prioritize general liability, workers’ compensation, and commercial auto.
Commercial Contractors: Include professional liability and umbrella coverage.
Growing Teams: Increase coverage limits as payroll, equipment, and revenue expand.
Get a Tailored Quote With Wexford Insurance
Wexford Insurance specializes in solar contractor business insurance. Their team helps installers choose the right combination of coverage types for their business, ensuring full protection without unnecessary costs.
Request a free Solar Contractor Insurance Quote from Wexford Insurance
