Coverage lines

Insurance built line-by-line for energy contractors.

Each policy below addresses a specific exposure in energy contracting — from the jobsite liability a standard GL policy undervalues to the tools & equipment and errors & omissions coverage your program needs to handle correctly.

Essential coverage

General Liability Insurance

Third-party bodily injury and property damage protection for solar, HVAC, and electrical jobsites — plus completed-operations coverage for the years after a system is installed, when most energy-contractor claims actually surface.

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Workers' Compensation

Coverage for the real injury patterns in energy contracting — roof falls during solar installs, ladder and lift injuries, electrical shock and arc-flash, confined-space HVAC work, and lifting injuries. Proper class codes for energy trades.

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Commercial Auto & Fleet

Coverage for the service vans, pickup trucks, bucket trucks, and equipment trailers you run between jobsites — including hired and non-owned auto when techs use their own vehicles on company business.

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Tools & Equipment Coverage

Inland marine coverage for solar panels, inverters, HVAC units, testing equipment, and hand and power tools — whether they're staged at a jobsite, in transit, or sitting in the shop overnight.

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Errors & Omissions

Professional liability for the design and judgment side of energy work — a mis-sized HVAC system, a solar array that underperforms its projected output, or an energy-audit recommendation that doesn't deliver the promised savings.

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Shop & Commercial Property

All-risk coverage for the shop, warehouse, and office — the building, the panel and equipment inventory on the shelves, and the tools and vehicles parked overnight.

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Umbrella / Excess Liability

Additional limits that sit above your general liability, commercial auto, and employer's liability — the layer that protects the business when a serious jobsite injury or property-damage claim exceeds underlying limits.

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Pollution & Environmental Liability

Covers the environmental exposure energy contractors carry — refrigerant handling and release during HVAC work, fuel and chemical spills from job vehicles and generators, and liability tied to solar-panel and equipment disposal.

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Not sure which lines you need?

Most energy contractors bundle general liability + workers' comp + commercial auto + tools & equipment + errors & omissions into one coordinated program. We'll build the right mix in one call.