Solar Panel Installers Insurance

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Need Solar Installer Insurance?We've Got You Covered

Volts, grids, polycrystalline silicon, alternating current, zenith – we know all the terms! No, we don’t. I had to look them up to see what they were. We only know solar panel installer insurance.

  • We know you want insurance to be cheap
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  • And we know you want insurance to be fast

Our online quote and buy system means you can get a price and get covered there, and then, your certificate of insurance is emailed to you within minutes. Get a quote today!

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What Insurance Does a Solar Installer Need?

Solar installers in Australia need several types of insurance to protect themselves and their business. Here are the different types of insurance that a solar installer needs in Australia:

  • Public liability insurance: This insurance covers the installer in case they cause damage to someone else’s property or cause injury to someone while installing solar panels.
  • Tool insurance: This insurance covers the installer’s tools and equipment in case they are lost, stolen, or damaged.
  • Personal accident insurance: This insurance covers the installer in case they are injured while working on a job site and are unable to work for a period of time.
  • Professional indemnity insurance: This insurance covers the installer in case they are sued by a customer for negligence or errors in their work.
Solar panels on an Australian house's roof

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Why Is Public Liability Insurance Important?

Public liability insurance is important for solar installers for several reasons:

  1. Protection against claims: Public liability insurance covers a business against claims made by third parties for property damage or physical injury that may occur during trading. This is important for solar companies as they may be held liable for any damage or injury caused by their installations or work.
  2. Legal requirements: In Australia, public liability insurance is mandatory for most businesses, including solar companies. Failure to have this insurance can result in fines or legal action.
  3. Peace of mind: Having public liability insurance can give solar companies peace of mind knowing that they are protected against potential claims and lawsuits.
  4. Business continuity: In the event of a claim, public liability insurance can help a solar company to continue operating by covering the costs of legal fees and compensation payments.

What Does Public Liability Insurance Cover?

What Is Covered?

  • Compensation costs for personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • Compensation for damage to property owned by a third party due to your negligent business activities
  • The legal and defence costs associated with a covered claim
  • Compensation for damage of third-party goods not owned by you that are in your care, custody, or control
  • Coverage of either $5 million, $10 million, or $20 million
  • Many public liability policies also provide cover for product liability

What Isn't Covered?

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship or product recall
  • Professional negligence
  • Events occurring before or after the policy period
  • Aircraft products
  • Asbestos
  • Liquidated damages
  • Punitive damages where the insured party acted so badly that extra damages were awarded
  • Liabilities assumed under contract that the insured would not be liable for at common law

Why is Tools Insurance Important?

Tools insurance is important for solar companies in Australia for several reasons:

  1. Protection of tools and equipment: Tools insurance covers the cost of replacing or repairing tools and equipment that are damaged or stolen while on the job. This is important for solar companies as they often work with expensive and specialised equipment.
  2. Liability protection: Solar companies can be held liable for damage or injury caused by their work. Tools insurance can provide liability protection in case of accidents or damage caused by the use of tools and equipment.
  3. Customisable coverage: Tools insurance policies can be customised to fit the specific needs of a solar company. This means that companies can choose the level of coverage that is appropriate for their business.
  4. Compliance with regulations: In some cases, tools insurance may be required by law or by the terms of a contract. Having tools insurance can help solar companies comply with these regulations and avoid penalties.
Solar installer aligning panels

What Does Tools Insurance Cover?

What Is Covered?

  • Ladders and landscaping equipment
  • Hand-held power tools such as hand saws, drills, or electric planers
  • Standard tools like hammers, wrenches, and bolt cutters
  • Hired tools and portable equipment

What Isn't Covered?

  • Equipment and machinery that are not portable are typically excluded from tool insurance
  • Tools that are damaged intentionally to collect insurance money are excluded from any insurance payout
  • Insurers will not cover tools damaged because of improper use under a tool insurance policy
  • Tools left unattended may not be covered. Find out the specifics of your policy by speaking with an insurance professional.
Solar installer installing solar panels with a hardhat on

Why Is Personal Accident Insurance Important?

Personal accident insurance is crucial for plumbers in Australia for a range of reasons:

  • Financial support: Personal accident insurance steps in to provide financial help if you’re hit with an unexpected injury. It can offer a steady stream of income or a lump sum payment, ensuring you can manage your bills and living costs even when you’re out of action.
  • Medical expenses: Let’s face it – accidents can come with hefty medical bills. This type of insurance can help cover those expenses, from hospital stays to rehab costs, ensuring you get the care you need without the financial headache.
  • Family security: If you’ve got people depending on you, this is a big one. Personal accident insurance ensures that your family’s financial well-being is taken care of if an accident leaves you unable to work. It’s all about making sure your loved ones are okay, no matter what.
  • Peace of mind: Knowing you’ve got a financial safety net can take a load off your mind. With personal accident insurance, you can focus on getting back on your feet without the added stress of money worries. It’s about making sure that an accident doesn’t derail your life or your finances.

What Personal Accident Insurance Cover?

What Is Covered?

  • Accidental injury or death
  • Loss of income due to temporary or permanent disability
  • Medical expenses, including hospitalisation, surgery, and rehabilitation
  • Emergency transportation and accommodation
  • Home and vehicle modifications to accommodate disabilities
  • Childcare expenses
  • Funeral expenses

What Isn't Covered?

  • Intentional self-injury.
  • Pre-existing medical conditions.
  • Injuries sustained while under the influence of drugs or alcohol.
  • Injuries sustained while participating in certain high-risk activities, such as extreme sports or illegal activities.
  • Injuries sustained while traveling to or from work.

Why Is Professional Indemnity Insurance Important?

Professional indemnity insurance is important for solar companies in Australia for several reasons:

  1. Protection against claims: Professional indemnity insurance provides financial protection in the event of a claim against a solar company. This can include claims related to professional negligence, errors or omissions, or breach of professional duty.
  2. Legal costs: In the event of a claim, legal costs can quickly add up. Professional indemnity insurance can cover these costs, including the cost of hiring a lawyer and any court fees.
  3. Reputation management: Some professional indemnity insurance policies include cover for public relations expenses. This can help restore a company’s reputation in the event of a claim.
  4. Peace of mind: Having professional indemnity insurance can give solar companies peace of mind, knowing that they are protected in the event of a claim. This can help them focus on their work and grow their business.
Solar installer drilling into panels

What Does Professional Indemnity Insurance Cover?

What Is Covered?

  • Breaches of duty, including claims from privacy breaches like breaches of confidentiality and fiduciary duty, as well as professional duties that have been overlooked
  • Damages due to the dishonest and negligent actions of employees
  • Breaches of trade practices and fair-trading acts
  • Defamation cases arising out of professional advice or services
  • Public relations expenses to help protect your business’ reputation.

What Isn't Covered?

  • Illegal acts
  • Punitive and exemplary damages (when a judge has found a professional to be exceedingly negligent)
  • Intentional damage, which generally includes any acts, errors or omissions from the insured professional that intended or could reasonably foresee loss, injury or damage caused to a third party
  • Any claim relating to asbestos
  • Employee injuries sustained while working or carrying out your business’s activities (this would be covered under worker’s compensation insurance)
  • Public liability claims

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