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Solar: What Insurance for Products, Installers and Homeowners?

In today’s age, solar energy products have become more and more popular. In relation to risks, the insurance industry offers the following coverage.

Solar Energy Hazards

Solar Energy usage is a growing alternate to traditional modes of energy. Some homeowners build their own solar heating systems to work partially or completely with the sun’s energy. Others buy already manufactured solar systems. There are also those that sell the solar energy excess to the local utility provider they are linked with.

Associated risks involve:

  • Breakdown of combustible material adjacent to collectors
  • Exposure to natural element damages (i.e. wind, rock, hail)
  • Theft of systems composed of copper and glass
  • Vandalism of systems composed of copper and glass

Insurance companies do differ in the manner in which they calculate homeowners premiums in regard to solar energy. So discussing your particular situation with an experienced agency that deals with many of the leading carriers is an important determining factor.  


Solar Energy Products, Solar Installer Insurance Policies

Companies that manufacture or install made-to-order solar collectors, do so in order to heat air or water or to produce electricity for homes, swimming pools or commercial buildings.

Regardless of the intended use, solar energy businesses require insurance policies that incorporate commercial general liability, products liability, and/or completed operations liability, bailees insurance coverage.

For more on insurance as it relates to solar energy, speak to a qualified independent agency.

PRIME Insurance has been appointed to conduct direct business with big insurance names such as ACE, ASI, ASSURANT, CNA, CHUBB, FOREMOST, Liberty Mutual, MetLife, Plymouth Rock, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. With thousands of satisfied customers, we benefit policyholders by reviewing current coverage, as well as by shopping our wide network to locate tailored coverage at competitively lowest quotes.

PRIME Insurance provides all forms of NJ, NY, PA, MD and other nationwide coverage, including cheap auto, low quote commercial umbrella, commercial property, flood, vacant property, renters, homeowners, bonds,  workers comp,  life insurance and more. We invite you to experience the PRIME difference by visiting us on our online insurance website; emailing us at PRIME [at] primeins [dot] com; or by calling us at 732-400-5242.

Summary: Solar energy is a great alternative for both home and business owners. Here's the question: what are the insurance options for residences, businesses as well as installers?


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