Solar Consultant Insurance
Insurance for solar consultants: professional liability for the advice, with general liability available for site visits.
What this coverage is intended to address
- ✓A client alleging that a system you specified underperformed, or that your savings projection was wrong
- ✓A missed permitting, interconnection or incentive deadline that cost a client money
- ✓Defence costs for a covered professional claim, which are often the larger number
- ✓Bodily injury or property damage during a site assessment, when general liability is added
Coverage products commonly considered
Most solar consultant operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A homeowner says the payback period you projected never materialised and claims the difference. Professional liability is generally intended to respond to allegations of this kind.
- A commercial client misses a tax credit window after relying on your timeline. Professional liability is generally intended to address claims that your advice caused a financial loss.
- During a roof assessment, a ladder you set up damages a client's gutter. General liability, if added, is generally intended to respond to property damage of this type.
Frequently asked questions
Do solar consultants need professional liability or general liability?
Professional liability is usually the main one, because the exposure is advice a client relied on. General liability matters if you visit sites, and many commercial contracts ask for both.
Does it matter if we also install panels?
Yes. Installation is underwritten as contracting work, not consulting. Tell us on the quote form, and someone will follow up about the right market.
What about solar farm work?
Consulting on a solar farm and running one are rated very differently. The quote form asks about each separately.
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