Solar installers face complex insurance renewal challenges

Solar installers face increasing challenges during Commercial General Liability (CGL) insurance renewal cycles. The industry presents a complex mix of exposures that underwriters scrutinize, including work at heights, roof penetrations, electrical installations, and the use of subcontractors.

Key risk factors include the potential for roof leaks or electrical issues following completed operations, as well as the added complexity of installing battery storage systems. OSHA guidance emphasizes fall protection and the use of lifting equipment to mitigate risks associated with moving large panels on sloped roofs or in changing weather conditions. These factors often lead to higher rates, increased deductibles, or new exclusions during the renewal process.