California leads the nation in clean energy adoption, and the green tech sector is booming. Solar installers, EV manufacturers, battery storage companies, and cleantech startups all face unique risk profiles that general-market carriers often struggle to underwrite.
Solar Installer Coverage
Solar installation combines roofing-level construction risk with electrical hazard exposure. General liability, workers' comp with proper class codes, and commercial auto for crew vehicles are baseline requirements. We also place installation floater policies that cover panels and equipment from warehouse to rooftop.
Product Liability for Clean Energy Products
If you manufacture or distribute EV components, battery systems, or solar equipment, product liability is critical. A battery fire, panel defect, or inverter failure can generate significant claims. We work with carriers who understand the clean energy supply chain and can write appropriate limits.
Environmental Liability
Energy companies may face environmental cleanup costs from battery chemical spills, construction site runoff, or legacy contamination at acquired properties. Environmental liability coverage fills gaps that standard GL policies exclude.
Frequently Asked Questions
What insurance does a solar installation company need?
General Liability ($1M/$2M minimum), Workers' Comp, Commercial Auto, and an Installation Floater. Most utility and commercial project contracts require additional insured endorsements and higher limits.
Do EV companies need product recall insurance?
If you manufacture components or finished vehicles, product recall coverage is highly recommended. A single battery defect recall can cost millions in logistics, replacement, and brand damage.
Is environmental insurance required for energy companies?
Not always legally required, but practically essential. Standard GL excludes pollution, so any company handling chemicals, batteries, or operating on land with environmental risk should carry dedicated environmental coverage.