Insurance for Solar & Renewable Energy Businesses

Key risks

Common industry risks

Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.

The Risks

Risks Response

Goods in Transit

While transporting panels, inverters or equipment to an installation site, goods are damaged or lost in transit before they can be used.

Goods in Transit cover can be included within Business Pack policies and can cover loss or damage to your goods while being transported.

Business Interruption

A fire at your depot or key supplier site delays jobs and reduces your business revenue for a significant period.

Business Interruption Insurance may respond to lost income and additional costs arising from an insured event interrupting your operations.

Commercial Property

Fire, storm or vandalism damages your insured depot, workshop or solar work premises and disrupts your business operations.

Commercial Property Insurance may respond to repair or replacement costs for insured premises, contents and stock damaged by an insured event.

Products Liability

An inverter overheats after handover and causes damage to a customer's roof or nearby property, and a claim is made against your business.

Products Liability Insurance may respond to compensation and legal costs arising from bodily injury or property damage caused by your product.

Public Liability

A loose solar panel or site debris injures a passer-by or damages a nearby parked vehicle, and a third party claim is made.

Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.

Goods in Transit

The Risks

While transporting panels, inverters or equipment to an installation site, goods are damaged or lost in transit before they can be used.

Risks Response

Goods in Transit cover can be included within Business Pack policies and can cover loss or damage to your goods while being transported.

Business Interruption

The Risks

A fire at your depot or key supplier site delays jobs and reduces your business revenue for a significant period.

Risks Response

Business Interruption Insurance may respond to lost income and additional costs arising from an insured event interrupting your operations.

Commercial Property

The Risks

Fire, storm or vandalism damages your insured depot, workshop or solar work premises and disrupts your business operations.

Risks Response

Commercial Property Insurance may respond to repair or replacement costs for insured premises, contents and stock damaged by an insured event.

Products Liability

The Risks

An inverter overheats after handover and causes damage to a customer's roof or nearby property, and a claim is made against your business.

Risks Response

Products Liability Insurance may respond to compensation and legal costs arising from bodily injury or property damage caused by your product.

Public Liability

The Risks

A loose solar panel or site debris injures a passer-by or damages a nearby parked vehicle, and a third party claim is made.

Risks Response

Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.

Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

Claim examples

Solar & Renewable Energy Businesses claim examples

Examples of claims arising from warehousing and storage operations.

Equipment-Related Damage

SCENARIO

During handling, solar panels are dropped and damage a client’s vehicle parked on site. The client seeks compensation.

WHY IT’S COVERED

Public Liability insurance may respond to third party injury claims arising from warehouse activities.

Alleged Faulty Installation

SCENARIO

After installation, a client alleges that a solar system was installed incorrectly, resulting in damage to their electrical system. A claim is made against the contractor.

WHY IT’S COVERED

Public & Products Liability Insurance may respond third party property damage claims arising from installation work where you are legally liable for the loss. Rectification costs of faulty workmanship are commonly excluded.

Injury on a Solar Worksite

SCENARIO

A third party is injured after entering an active solar installation site. A claim is made alleging inadequate site safety.

WHY IT’S COVERED

Construction Liability Insurance may respond to third party injury claims arising from installation activities.

Property Damage During Installation

SCENARIO

A solar contractor installs rooftop panels on a residential property. During installation, roof tiles are damaged, resulting in water ingress. The homeowner makes a claim for repairs.

WHY IT’S COVERED

Public liability insurance may respond to third party property damage claims for resultant damage, such as water ingress, where you are legally liable for the loss.

SCEANRIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

Equipment-Related Damage

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT’S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

IS THIS COVERED?

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

FAQs

Solar & Renewable Energy Businesses insurance queries

How do I make a claim?

You should notify your insurer as soon as you become aware of a claim or circumstance that may give rise to a claim which could include a client complaint, you discovering an incident or an allegation of harm. Claims should be made in writing and handled in line with the claims notification requirements which will be outlined in your policy wording.

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How do I make a claim?

What is a Certificate of Currency?

A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.

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What is a Certificate of Currency?

How quickly do I need to report an incident to my insurer?

You should notify your insurer as soon as you become aware of any incident, claim, or circumstance that may give rise to a claim. Professional Indemnity insurance typically operates on a "claims made and notified" basis, meaning both the claim must be made against you AND you must notify the insurer during the active insurance period (or discovery period if applicable). Late notification after policy expiry may not be covered unless you have purchased an extended discovery period. Prompt notification is essential to protect your rights under your insurance.

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How quickly do I need to report an incident to my insurer?

What is a retroactive date?

A retroactive date is the earliest date from which a claim can arise and still be covered under your policy. Professional Indemnity and certain other claims-made policies will only respond to claims arising from acts, errors or omissions that occurred on or after the retroactive date listed in your policy schedule. If an incident occurred before your retroactive date, it typically will not be covered even if the claim is made during the current policy period. Maintaining continuous cover without gaps helps protect your retroactive date — check your policy schedule or ask your broker if you are unsure of your retroactive date.

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What is a retroactive date?

What factors might impact the cost of policy premiums of insurance for solar installers?

The cost of insurance for solar installers in Australia varies depending on several factors. These typically include the nature and scope of your business activities, annual turnover, number of employees, location, claims history, and the cover limits and the applicable excess. For Commercial Motor cover, insurers also consider vehicle make, model, value, usage and driving history. Where additional covers such as Professional Indemnity or Cyber insurance are relevant to your operations, the services you provide and the sensitivity of data you hold may also affect your premium. Because each business is different, costs can vary significantly and premiums may change at renewal in line with risk and claims experience.

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What factors might impact the cost of policy premiums of insurance for solar installers?

Do solar contractors need Public Liability insurance?

Public Liability insurance is designed to cover claims where a client or member of the public is injured or their property is damaged as a result of the services you provide. While it is not a legal requirement for solar contractors in Australia, it is commonly held by solar contractors across Australia. Many clients, venues and booking platforms may require you to hold a current Public Liability policy before they will engage your services. Without this type of cover, you could be personally liable for legal costs and compensation claims. Speaking with an insurance broker can help you understand whether Public Liability cover is appropriate for your circumstances.

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Do solar contractors need Public Liability insurance?

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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.

Insurance for Solar & Renewable Energy Businesses

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Common industry risks

The Risks

Risks Response

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Risks Response

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Risks Response

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Solar & Renewable Energy Businesses claim examples

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Solar & Renewable Energy Businesses insurance queries

How do I make a claim?

How do I make a claim?

What is a Certificate of Currency?

What is a Certificate of Currency?

How quickly do I need to report an incident to my insurer?

How quickly do I need to report an incident to my insurer?

What is a retroactive date?

What is a retroactive date?

What factors might impact the cost of policy premiums of insurance for solar installers?

What factors might impact the cost of policy premiums of insurance for solar installers?

Do solar contractors need Public Liability insurance?

Do solar contractors need Public Liability insurance?

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