Path-Q Solar

What proof of insurance should a solar installer provide before entering my property?

Answer

Ask for a current certificate of insurance and, when appropriate, confirmation from the insurer or broker that coverage is active. Review general liability, workers' compensation where applicable, and vehicle coverage, and confirm that subcontractors are separately insured or covered by the installer.

Key points

  • The certificate should identify the insured legal entity, policy periods, and relevant coverage types and limits.
  • Workers' compensation coverage helps address employee injuries, while general liability addresses many third-party property or bodily injury claims.
  • Vehicle coverage matters when company vehicles or heavy equipment enter the property.
  • A certificate is evidence of stated coverage, not a guarantee that every claim is covered.

What it depends on

  • Who will enter the property
  • Whether subcontractors are used
  • The project's physical and operational risks
  • The insurer's exclusions and policy conditions

Risks and trade-offs

  • A certificate may be outdated, incomplete, or issued for a different legal entity.
  • Low limits or exclusions may leave gaps after serious damage.
  • Your own property insurance may have notification or contractor requirements.

Information you may need

  • The installer and subcontractor legal names
  • Current certificates and policy expiration dates
  • Coverage limits and relevant exclusions
  • Your insurer's contractor or solar-project requirements

Your next step

What to do next

Request current insurance certificates before site access and have your insurer or an insurance professional review them if the project is substantial.

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SQ01957