Solar Panel Insurance
Protect your solar investment against the unexpected
Whether from electrical current, a lightning strike, or third-party action, even small damages can cause the entire photovoltaic system to shut down. Our solar insurance protects your photovoltaic installations, whether on the roof or on the building facade.
Benefits of this insurance
Covers damage from fire, lightning, storm, operating errors, clumsiness, sabotage or intent by third parties, construction defects, water, short circuit, overvoltage, frost, flooding, hail, or animal bites.
In the event of a claim, no deduction is applied for the residual value of the damaged equipment.
You can supplement your policy with insurance covering lost profit from unsold electricity.
Coverage begins already during the construction phase, covering fire, lightning, explosion, storm, hail, and theft of installed parts.
What is covered
Unforeseen damage to the installation
Covers unforeseen damage and destruction of the photovoltaic installation, regardless of its position on the building.
Short circuits and overvoltage
Covers failures caused by short circuits, overcurrent, or overvoltage in the system.
Weather-related damage
Covers damage from storm, hail, snow pressure, frost, and flooding.
Theft of components
Covers theft of already installed parts, both during construction and operation.
What is not covered
Non-operational installations
As a rule, only operational installations are insured; special conditions apply to out-of-service installations.
Natural performance decline of panels
The gradual loss of performance from normal wear of the panels is not considered an insured event.
Real claim examples
Hail storm damage
A hail storm damages several solar panels; the insurance covers the repair and replacement of the affected panels.
Short circuit due to overvoltage
An overvoltage causes a short circuit in the installation's inverter; the insurance covers the system repair.
Frequently asked questions
Is this insurance mandatory?
No, photovoltaic insurance is not legally required. However, it is highly recommended to protect against significant financial risks.
Can I also insure the loss of income?
Yes, you can add loss-of-profit insurance that covers lost revenue from electricity sales and extra costs for external power purchases.
Does coverage apply only during operation?
No, with our policy, coverage already exists during the construction phase against fire, lightning, explosion, storm, or hail, as well as theft of installed parts.
Can I insure the installation as part of my home insurance?
For residential installations, photovoltaics can be integrated as an add-on module in building insurance; for commercial installations, this standalone solution is available.
Do you have or plan to install solar panels?
Tell us the characteristics of your installation, and we will help you find the right coverage.
Request free advice