Solar Installer Insurance Coverage Checklist
The coverages a solar installer 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 solar and battery installers. Priorities reflect typical exposure; confirm against sales model and battery work.
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 |
|---|---|---|---|
| Commercial General Liability (incl. Products-Completed Operations) | Covers injuries and damage during work and after it's finished. | Core | |
| Workers' Compensation | Required in most states. | Core | |
| Professional / Errors & Omissions | Covers design and system-performance claims — excluded from GL. | Prevalent | |
| Installation Floater / Inland Marine | Covers panels and batteries in transit and before acceptance. | Core | |
| Commercial Auto | Covers service vans and trucks. | Core | |
| Umbrella / Excess Liability | Adds limits many customers and GCs require. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for how systems are sold and designed. The 30% homeowner tax credit ended for systems placed in service after 2025, and customers promised savings or credits they didn't get may sue over the sale — claims general liability doesn't cover. Installers should carry E&O, review sales claims before contracts are signed, and back workmanship warranties with a third-party program.
Send us the checklist and we'll review your solar installer coverage line by line, then market it across multiple carriers that compete for your account.
Related: Solar Installer Insurance · Solar Installer Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a solar installer business need?
The core coverages for a solar installer business are Commercial General Liability (incl. Products-Completed Operations), Workers' Compensation, Installation Floater / Inland Marine, Commercial Auto. 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 solar installer 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.