Renewable Energy Operations Insurance Coverage Checklist
The coverages a renewable energy operations business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for owners and operators of solar, wind, and battery storage projects. Priorities reflect typical exposure for this class; confirm against your actual projects and contracts.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Property (All Risk, Including Hail) | Hail caused 73% of insured solar losses by value in 2026 research. | Core | |
| Business Income / Revenue Loss | Covers lost power and REC revenue while damaged equipment is replaced. | Core | |
| Equipment Breakdown | Covers inverter, transformer, turbine gearbox, and battery failures without outside damage. | Core | |
| General Liability | Covers injury and property damage to neighbors, landowners, and visitors. | Core | |
| Umbrella / Excess Liability | Adds limits over general liability, auto, and employer's liability; often required by lenders. | Prevalent | |
| Pollution Liability | Covers runoff and smoke from battery fires and transformer oil spills. | Prevalent | |
| Workers' Compensation | Covers technicians working with high voltage, heights, and heavy equipment. | Prevalent | |
| Cyber Liability | Covers attacks on SCADA and plant control systems. | Prevalent | |
| Commercial Auto | Covers service trucks traveling between remote sites. | Situational | |
| Builder's Risk / Delay in Start-Up | Covers repowering, expansions, and new projects under construction. | Situational | |
| Contingent Business Income | Covers revenue lost when a grid outage or transmission failure off site stops delivery. | Situational |
The coverage gap most often missed
The gap most often missed by renewable energy owners is a catastrophe sublimit. Many property policies put hail under a broad severe-convective-storm definition with its own sublimit and deductible, and wildfire definitions can pull in equipment-started brushfires — the two largest solar loss drivers. Read how hail and fire are defined and limited, compare the sublimit to your largest project's value, and keep stow and module-hardening records ready for renewal.
Send us the checklist and we'll review your renewable energy operations coverage line by line, then market it across multiple carriers that compete for your account.
Related: Renewable Energy Operations Insurance · Renewable Energy Operations Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a renewable energy operations business need?
The core coverages for a renewable energy operations business are Property (All Risk, Including Hail), Business Income / Revenue Loss, Equipment Breakdown, General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my renewable energy operations coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.