Solar Contractor Business Insurance Requirements for Installers
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
Solar installation is a high-risk industry requiring specialized insurance to protect installers, equipment, and clients. Knowing the business insurance requirements for solar contractors ensures your team is covered, compliant with state regulations, and prepared for unexpected incidents.
Why Solar Installers Need Business Insurance
Working on rooftops and handling electrical systems exposes solar installers to injuries, property damage, and liability claims. Without proper insurance, contractors risk:
High out-of-pocket costs for accidents
Client or municipal compliance issues
Legal disputes and lawsuits
Essential Insurance Requirements for Solar Contractors
Protects against third-party injuries or property damage during solar installation projects. Often required by clients and municipalities.
Covers medical expenses and lost wages for employees injured on the job. Required in most states if you have staff.
Find Out: State-specific workers’ compensation requirements: U.S. Department of Labor – Workers’ Compensation.
Covers company vehicles used to transport solar panels, tools, and employees.
Insures specialized solar installation tools, lifts, and equipment against theft or damage.
Protects against claims related to faulty design, installation errors, or project delays.
Additional Considerations for Solar Installers
Certificates of Insurance: Clients and municipalities often require proof of coverage before work begins.
Coverage Limits: Ensure limits meet contract and regulatory requirements.
Safety Compliance: OSHA-compliant training and safety programs can reduce premiums and risk exposure.
How to Get Solar Contractor Insurance for Installers
Evaluate Coverage Needs – Identify essential policies based on employees, services, and vehicles.
Prepare Business Details – Include payroll, equipment, claims history, and revenue.
Request Quotes From Specialists – Agencies familiar with solar contractors can help find the right coverage.
Compare Policies – Review premiums, limits, deductibles, and exclusions.
Obtain Certificates of Insurance – Required for client contracts and local permits.
Get a Solar Contractor Insurance Quote With Wexford Insurance
Wexford Insurance specializes in solar contractor insurance, helping installers secure competitive quotes and full coverage. Our team ensures your business is protected while meeting client and regulatory requirements.
