Renewable Energy Contractors and Consultants

Renewable energy contractors and consultants operate in a fast-growing industry and often face many environmental exposures. From the installation of solar panels on a private home to the construction of large green commercial infrastructure projects, renewable energy is a major component of the United States economy. 
ALTA Risk’s environmental insurance products protect policyholders from bodily injury, property damage, clean-up expenses and other costs associated with environmental claims. Through our A.M. Best A- XI rated carrier, we offer several coverage solutions for renewable energy contractors and consultants. 
Our Renewable Energy portfolio includes:
  • Solar Contractors and Consultants – From small home upgrades to large commercial projects, solar is a rapidly growing industry in need of various environmental protections.
  • Electric Charging Station Installation – An electric vehicle charging grid will allow electric car owners to travel further than ever before.  ALTA provides coverage for the creation and physical construction of the stations.
  • Geothermal installation contractors – Geothermal heat pumps are one of the most efficient ways to heat and cool a structure.  Becoming increasingly popular in the residential, commercial, and industrial industries, geothermal energy appears to be an environmentally sound energy alternative.
  • Wind Turbine service and installation firms – It is hard to pass a rural area without wind turbines as they’ve become immensely popular in windy areas around the United States.  From small projects in rural New England, to large farms in Southern California, ALTA can insure many of the industries that support the nation’s wind energy infrastructure.

Renewable Energy Contractors and Consultants Products of Interest

Contractors General Liability, Pollution Liability & Professional Liability (CGL/CPL/PL)

The package policy provides General Liability, Contractors Pollution Liability, and Professional Liability.

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Contractors Pollution Liability (CPL)

Our Contractors Pollution Liability Coverage is designed to protect insureds from damages caused by Pollution Conditions arising from the insured’s contracting operations.

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Contractors Pollution Liability and Professional Liability (CPL/PL)

The combined Contractors Pollution and Professional Liability form is designed for contractors with limited professional liability coverage.

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Transportation Pollution Liability (TPL)

Our Transportation Pollution Liability form is an optional coverage to insure pollution liability associated with the insured’s operation of motor vehicles.

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Follow Form Excess

Our follow-form excess product sits over our underlying Commercial General Liability, Contractors Pollution Liability, and Professional Liability package policies.  ALTA can also offer Follow-form Excess over another carrier’s Auto and Employer's Liability.

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What to Know About Endorsements and Exclusions

In addition to writing the CGL and CPL lines, some contractors may have other exposures that can be addressed by adding endorsements. Learn more about available endorsements by clicking on our product pages.

Claims Scenario

A contractor installing solar panels on a homeowner’s roof accidentally damaged multiple shingles and failed to repair them prior to completing the job. Water began to leak into the home’s attic and caused mold and dry rot. The homeowner sued the renewable energy contractor for remediation expenses and damages. ALTA Risk provided coverage for this claim under the Renewable Energy Contractors and Consultants Liability policy.

Recent Success

In November 2021, a fast-growing solar contractor and consultant needed improved terms to land a large contract for the new year. ALTA was able to match existing coverage, provide additional enhancements, and put together a competitive Environmental Services Package (General Liability, Contractors Pollution Liability, and Professional Liability) product for the insured. The total account premium was $39,472 and the insured landed the large contract for 2022.

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