What Solar Contractor Business Insurance Includes for Installers
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
Solar installation is a high-risk business that requires comprehensive insurance coverage. Solar contractor business insurance protects installers, employees, and clients from accidents, property damage, and financial losses. Understanding what is included in a typical policy helps contractors make informed decisions and get the right coverage.
Core Coverages Included for Solar Installers
Covers third-party bodily injury or property damage that may occur during solar installation projects. Essential for meeting client and municipal requirements.
Protects employees from job-related injuries or illnesses, covering medical expenses and lost wages. Mandatory in most states for businesses with employees.
Find Out: State-specific workers’ compensation requirements: U.S. Department of Labor – Workers’ Compensation
Covers vehicles used to transport solar panels, tools, and staff to job sites. This ensures coverage in the event of an accident while on business operations.
Insures your solar installation tools, lifts, and equipment against theft, loss, or damage. Specialized tools and machinery can be costly, making this coverage essential.
Also known as Errors & Omissions (E&O) insurance, it covers claims arising from design mistakes, improper installation, or project delays that result in financial loss to the client.
Provides additional coverage above your primary liability policies, protecting against large claims that could otherwise exceed your limits.
Optional Coverages for Solar Installers
Cyber Liability: Protects against data breaches or digital theft for companies using client data.
Environmental Liability: Covers issues such as chemical spills or hazardous waste associated with solar equipment.
Builder’s Risk: Protects solar projects under construction until completion.
How to Get Solar Contractor Insurance Coverage
Assess Your Coverage Needs – Determine which policies are essential for your business type, size, and services.
Gather Business Details – Provide employee counts, payroll, vehicles, equipment, and claims history.
Request Quotes From a Specialized Agency – Solar contractors benefit from insurers experienced in high-risk trades.
Compare Quotes and Coverage – Review limits, exclusions, and deductibles carefully.
Obtain Certificates of Insurance – Necessary for client contracts and municipal approvals.
Get a Solar Contractor Insurance Quote With Wexford Insurance
Wexford Insurance specializes in solar contractor business insurance and helps installers get tailored quotes. Their team ensures your business:
Has the right coverage for all risks
Meets client and regulatory requirements
Gets certificates of insurance quickly