Blog & insights

Energy contractor insurance, decoded

Plain-English guides on the coverage that matters for energy contractors — general liability, workers' comp, tools and equipment, design and sizing liability, and pollution exposure.

General Liability vs. Errors & Omissions: What Actually Covers a Bad Solar Install
Featured
Coverage GapsJune 25, 20263 min read

General Liability vs. Errors & Omissions: What Actually Covers a Bad Solar Install

A punctured roof and an underperforming solar array are both real energy-contractor claims — but they're covered by two completely different policies.

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Coverage Gaps2 min read

Does General Liability Cover a Refrigerant Release? (No — Here's What Does)

Standard general liability excludes pollution — including refrigerant releases and job-vehicle fuel spills. Here's the coverage that actually fills the gap.

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Cost & Coverage3 min read

A Van Break-In Can Wipe Out Thousands in Panels and Tools — Are You Covered?

Standard commercial property excludes equipment away from the premises. Here's what tools & equipment coverage actually protects — and why it matters for energy contractors specifically.

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Workers' Compensation3 min read

Workers' Comp Class Codes for Solar, HVAC & Electrical Crews, Explained

Solar, HVAC, and electrical work each carry different injury patterns — and different class codes. Get it wrong and you're either overpaying or exposed at audit.

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Cost & Coverage3 min read

How Much Does Energy Contractor Insurance Cost? (And What Drives the Price)

There's no single price for energy contractor insurance — it's built from your crew, your trade, your equipment, and your loss history. Here's what actually drives the number.

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