Insurance for Solar Panel Installers

Solar panel installation is a high-skill, high-stakes trade, working at height, with electrical systems, on clients’ properties.

CHAS Insurance helps solar panel installers get properly covered, without the hassle. From public liability to specialist equipment cover, we build policies around the realities of the job.

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Insurance for Solar Panel Installers

Finding the right insurance for solar panel installers is more involved than most trades, and for good reason. You’re handling electrical components at height, and taking on projects where the value of both the equipment and property can be substantial.

A panel slipping during installation, an electrical fault causing damage or an injury on a roof. These are genuine risks that come with the territory.

At CHAS Insurance, we understand that solar installation sits at the intersection of several trades. Standard policies often don’t stretch far enough to cover everything you do. We work with specialist insurers to put together cover that reflects your work properly. This applies whether you are a sole installer or running a growing team.

Our Simple Three-Step Process

Answer Questions
You’ll receive a series of questions to answer to give us more information.

We’ll Be In Touch
We’ll contact you within 48 hours to discuss your insurance quote and get set up.

Solar Panel Installer Insurance

Solar panel installer insurance from CHAS is built to cover the specific risks of the trade. It is not a generic policy with fingers crossed it’ll hold up when you need it. Because solar installation combines roofing, electrical work and high-value equipment, the cover needs to reflect all of that.

A typical policy can include:

Public liability insurance: covering accidental injury or property damage caused to third parties during installation
Employers’ liability: legally required if you employ anyone, including subcontracted labour
Tools and equipment cover: protecting inverters, mounting systems, testing equipment and other specialist kit
Contract works insurance: covering partially installed systems if they’re damaged before completion and sign-off
Products liability: covering claims arising from a system you’ve installed after the work is complete

Not sure which elements apply to you? We’ll talk it through. Contact us today to discuss your solar panel installer insurance needs.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What Does Solar Panel Installation Insurance Cover?

Solar panel installation insurance needs to cover work that crosses more boundaries.

At its core, public liability insurance protects you if a client or third party suffers as a result of your installation work. Given the value of the systems involved and the properties you’re working on, having robust public liability cover is essential.

Because you’re working at height, many policies for solar installers also require employers’ liability cover if you have anyone working alongside you. It’s a legal requirement the moment you take on staff or labour-only subcontractors.

Tools and equipment cover matters here too. Solar panels, inverters and mounting hardware represent a significant outlay. Replacing them out of pocket following theft or accidental damage can be seriously disruptive.

Product liability covers claims made after a job is complete. If a system you’ve installed causes damage or injury down the line.

For sole traders, personal accident cover provides a financial safety net if you’re injured and unable to work. When you’re regularly on rooftops, that’s not a cover worth skipping.

Supporting Accredited Solar Panel Installer Contractors

CHAS Insurance works with contractors that need to meet the requirements of schemes including CHAS, Constructionline and SafeContractor.

Commercial and public-sector clients may ask for specific insurance limits before awarding work.

We can help arrange suitable cover and provide the required documentation.

Get a Solar Panel Installer Insurance Quote

Getting a solar panel installer insurance quote with CHAS is quick and straightforward.

We’ll ask about the nature of your installation work, whether domestic or commercial. We will also ask about the size of your operation and the level of cover you need. Then, we will return with options relevant to your specific needs.

We also offer a full range of tradesmen insurance products. So, if you need cover across multiple trades or for a growing team, we can build something that works across the board. One conversation is usually all it takes.

Get your solar panel installer insurance quote, or explore our full range of tradesmen cover.

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Do I need specialist insurance as a solar panel installer?

A standard trades policy for a solar panel installer may not be sufficient. Solar installation involves working at height, handling electrical systems and installing high-value equipment. All these activities carry specific risks that generic cover often excludes or limits.

It’s important to make sure your policy explicitly covers the work you do. This includes any electrical elements, rather than assuming a broad trades policy will stretch to cover it.
Am I covered if a solar system I installed causes damage to a property after the job is finished?

This would fall under products liability insurance. This covers claims arising from a system you’ve installed after the work has been completed and signed off.

It’s a distinct cover from public liability, which applies during the installation itself. Many solar installers need both. It’s worth checking whether your current or prospective policy includes completed works and products liability as standard or as an add-on.
Does solar panel installer insurance cover working on commercial rooftops as well as domestic properties?

Solar panel installer insurance doesn’t always automatically cover working on commercial rooftops. Some policies are written around domestic installation work and may restrict or exclude commercial sites, particularly larger or more complex rooftop systems.

If you work across both residential and commercial properties, you’ll need to make sure your policy covers the full scope. At CHAS Insurance, we’ll make sure your cover reflects where and how you actually work.
Is my equipment covered while it’s in transit to a job?

Whether your equipment is covered in transit depends on your policy. Tools and equipment cover often extends to items in transit in a locked vehicle. However, high-value items like solar panels and inverters may have individual limits that don’t reflect their replacement cost.

It’s worth being specific about the value and type of equipment you carry when arranging cover. This ensures any limits are set at a level that would actually cover a full replacement if needed.