Path-Q Solar
What insurance should a solar installer carry before working on my home?
Answer
At a minimum, ask for evidence of coverage appropriate to the work, commonly including commercial general liability, workers’ compensation where applicable, and vehicle coverage; additional coverage may be relevant for design, pollution, or subcontractor risks. The required types and limits depend on the jurisdiction, business structure, and project scope.
Key points
- Request a current certificate of insurance and confirm the named business matches the contracting entity.
- Ask whether subcontractors carry their own coverage and who is responsible for their work.
- Check coverage for bodily injury, property damage, roof and water damage, and work performed at your home.
- Insurance does not replace clear contract responsibility, licensing, permits, or workmanship protection.
What it depends on
- Applicable local requirements
- Project scope and roof hazards
- Installer and subcontractor structure
- Policy limits, exclusions, and effective dates
Risks and trade-offs
- A certificate may not reveal all exclusions or guarantee that a claim will be paid.
- Insufficient coverage can leave the homeowner exposed to injury or property-damage claims.
- Higher coverage does not by itself demonstrate technical competence or financial reliability.
Information you may need
- Certificate of insurance and policy dates
- Coverage types, limits, and relevant exclusions
- Subcontractor insurance arrangements
- Installer legal entity and licensing information
Your next step
What to do next
Ask the installer for current insurance evidence and verify it with the issuing broker or insurer before work begins.
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Some details may depend on your location, installer, utility, incentives, regulations, or specific property.
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