Common Risks Solar Contractor Business Insurance Protects Against
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
Solar contractors face unique risks every day. From rooftop installations to handling expensive electrical equipment, even a minor incident can lead to costly claims. Understanding the common risks covered by solar contractor business insurance helps installers protect their employees, clients, and business operations.
1. Customer Injuries
Working on client properties creates exposure to liability claims. Customers or visitors can slip, trip, or fall during installations. General liability insurance covers:
Medical expenses for injured clients
Legal fees if a claim goes to court
Property damage caused to the client’s home or business
This coverage is essential for contractors working in both residential and commercial settings.
2. Employee Injuries
Solar installation involves falls, lifting heavy solar panels, electrical work, and ladder use. Workers’ compensation insurance protects employees if they are injured on the job, covering:
Medical treatment
Lost wages
Rehabilitation and recovery
Most states require workers’ compensation for businesses with employees, making it a legal necessity for many contractors.
3. Vehicle Accidents
Many solar contractors transport panels, tools, and crews to job sites. Accidents while driving company vehicles can lead to liability claims or property damage. Commercial auto insurance protects your business from:
Vehicle collision and property damage claims
Bodily injury to passengers or third parties
Liability for damages caused during transportation
4. Property Damage and Equipment Loss
Damage to tools, solar panels, and storage facilities can disrupt operations and create unexpected expenses. Commercial property insurance covers:
Theft or vandalism
Fire or natural disaster damage
Equipment and tool replacement
5. Professional Errors
Solar contractors offering design, consulting, or performance guarantees face the risk of mistakes. Professional liability (errors & omissions) insurance protects against:
Claims for faulty system design
Installation errors or performance failures
Contractual disputes
6. Business Interruption
Unexpected events like storms, fire, or vandalism may temporarily halt operations. Business interruption insurance replaces lost income and helps cover payroll, rent, and other ongoing expenses.
Get Solar Contractor Insurance With Wexford Insurance
Wexford Insurance specializes in solar contractor business insurance, helping installation companies protect employees, equipment, vehicles, and projects. Their team ensures comprehensive coverage tailored to your business risks.
Request a free Solar Contractor Insurance Quote from Wexford Insurance
