Over the next few weeks, we are going to release several blog posts and videos about essential insurance coverages for the solar industry.

As the official insurance agency of the Colorado Solar and Storage Association (COSSA), we are proud to provide the Colorado solar industry with flexible insurance packages that fit the specific needs of each business we insure.

Our goal is to always educate our clients on why they need the coverage(s) they are purchasing. Every industry has specific coverage needs. Within each industry, businesses provide different services and face different kinds of exposures. Our team at RSS fully understands this and takes the time to evaluate each of our clients individually to set them up with an insurance program that fits their business.

Today we want to touch on general liability coverage and why this coverage is an essential part of protecting solar businesses. A general liability policy provides coverage for liability arising from bodily injury, personal injury or damage to property of others.

We understand that many aspects of the solar industry relate back to high-risk industries such as electrical trades, carpentry and roofing.

Below are a few examples of how general liability insurance can protect solar installers and contractors.

  1. During the installation process surfaces can become susceptible to water damage and mold. General liability insurance will provide coverage to repair the damage done to the property.
  2. If a solar panel or any type of materials needed during the installation process fall and hit a resident or visitor of the property, general liability insurance will provide coverage to treat the injured.
  3. If Solar Contractor ABC were to speak negatively about Solar Contractor XYZ to a potential client, Solar Contractor XYZ could potentially lose business and choose to file a lawsuit against Solar Contractor ABC. General Liability insurance could provide coverage for costs (up to a certain limit)  the company procures during the lawsuit.

Keep an eye out for more information on coverage for solar businesses and as usual, please feel free to contact our office with any questions you have.