Does general liability cover a roof leak from my install?

It can respond to resulting property damage, subject to the policy, but not to redoing your own faulty work, and design or performance issues fall to errors and omissions. We help you understand the split.

Do solar contractors need errors and omissions?

Often, because solar involves design, spec, and performance promises general liability does not cover. We flag when E and O applies to your operations.

What is an installation floater for solar?

It covers panels and equipment in transit and on site before the job is accepted, which general liability does not. Given panel value, it is often worth carrying.

Solar Contractor Insurance - Vantage Point Risk

Roof, electrical, and design risk in one trade.

Solar installation combines roofing, electrical work, and engineering judgment, which means a solar contractor carries the exposures of several trades at once, plus warranty and performance promises. Coverage has to span all of it, including the professional and roof-damage gaps general liability leaves.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

Solar contractors typically need general liability, workers compensation, commercial auto, tools and equipment, often an installation floater and errors and omissions, with attention to roof damage, electrical risk, and design or performance claims general liability does not cover.

Why solar spans multiple risks

A solar installer drills into roofs, ties into electrical systems, and stands behind a system's performance. That means roof-damage and water-intrusion claims, electrical and fire exposure, and design or performance disputes. General liability handles the property and injury side but not the professional and design errors, which is the gap solar contractors most often miss.

The coverage stack

General liability with completed operations is the base. Workers compensation covers installers, and class codes split roofing, electrical, and solar work. Commercial auto covers vehicles, and an installation floater protects panels and equipment in transit and before acceptance. Errors and omissions covers design, spec, and performance claims general liability excludes.

Contracts, warranties, and certificates

Homeowners, GCs, and commercial owners require certificates and additional insured status, and solar work often carries warranty and performance commitments that create professional exposure. We confirm the certificates are real and flag where E and O is needed to back the promises you make.

Roof, electrical, and design risk in one trade.

Why solar spans multiple risks

The coverage stack

Contracts, warranties, and certificates

Common questions.

Is your roof, electrical, AND design risk covered?

Keep going.

Errors & Omissions

Installation Floater

Coverage Review

Cover the roof, the wiring, and the promise.