An engineer wearing a safety helmet and high-visibility vest in front of a large photovoltaic installation, symbolizing operator liability insurance in the renewable energy sector.

When technology fails - we protect youOperator’s liability insurance

Operator’s liability insurance provides comprehensive protection against damage that may occur in connection with a photovoltaic system. All components of the system are insured – including PV modules, installation frames, fasteners, inverters and cabling. Any existing electricity storage unit for self-supply of the building is also insured.

Operator’s liability insurance for photovoltaic systems – reliable protection against claims for compensation

As the purchase, installation and maintenance of a photovoltaic system are associated with considerable costs, suitable insurance cover is recommended. In the event of a claim, repair or replacement costs can be reliably covered.

Important: Building insurance does not usually cover photovoltaic systems in full. Separate operator’s liability insurance closes this gap and provides financial security. We are happy to advise you individually and according to your needs.

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Insured risks & hazards

The cover includes a large number of unforeseen risks, including:

  • Damage caused by fire, lightning or explosion
  • Extreme weather events such as storms, hail, frost or flooding (after risk assessment)
  • Animal bites, especially by martens
  • Operator error, carelessness or intent on the part of third parties
  • Theft, burglary or robbery
  • Defects in design, material or workmanship
  • Electrical effects such as short circuit, overcurrent or overvoltage
  • Damage caused by water or moisture
  • Loss of income due to insured property damage
  • Lower feed-in power with reduced global radiation
  • Total loss of the system – also in connection with loan or leasing obligations
Possible scope of cover & extensions
  • Repair or replacement costs of insured system parts
  • Protection in the event of loss of income or additional operating costs
  • Earnings guarantee in the event of reduced global radiation
  • Protection of the feed-in discrepancy after a total loss requiring compensation
  • Precautionary insurance in the event of expansion of the system
  • Premium-free construction cover during the construction phase (for defined risks)
  • Waiver of deduction in the event of gross negligence
  • Consideration of technical developments in the claims settlement
  • Cover for the replacement value in the event of total loss
  • Reimbursement of repair costs including technical components
Insured components
  • PV modules, brackets and cabling
  • Inverters, transformers and control technology
  • Charging stations and permanently installed charging points for electric vehicles
  • Battery storage and other energy storage systems
  • Electrically operated hot water boilers incl. control and pump technology – if operated exclusively with electricity from the PV system

 

Insured Persons
  • Owner and operator of the photovoltaic system
  • Companies that use or lease the facility commercially
  • Other insured persons in accordance with the contractual agreements

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