Aerial view of a solar farm in an open field: Dark photovoltaic modules are arranged in long, parallel rows, and the low-hanging sun is reflected on their surfaces. In the center stands a white battery storage container labeled “Energy Storage,” which complements the facility. The image illustrates a modern ground-mounted solar farm with energy storage and symbolizes renewable energy.

Our reliable protection for your sustainable energy investmentPhotovoltaic insurance

Photovoltaic insurance from MRH Trowe offers you customised insurance cover for your solar system. A large number of possible losses are covered, for example due to:

  • Weather influences such as storms or hail
  • Animal browsing, especially by martens
  • Theft or vandalism
  • Technical defects or operator error

The aim is to provide comprehensive financial protection for your investment – both during operation and in the event of failures.

Important to know:

In many cases, normal building insurance does not adequately cover damage to PV systems. In particular, the loss of income, for example in the event of a standstill or a reduction in performance of the system as a result of insured loss, is usually not included in traditional policies.

Independent photovoltaic insurance is therefore a sensible addition to reliably protect the system and your economic interests.

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Insured risks

Photovoltaic insurance covers all unforeseen damage that can affect your system from outside. These include, for example:

  • Operator error, negligence, clumsiness or sabotage
  • Damage caused by electrical energy (if visible without aids)
  • External mechanical influences
  • Moisture, water or other liquids
  • Natural events such as storms, hail, frost, floods, avalanches, rockfall, landslides
  • Fire, lightning strike, explosion
  • Charring, scorching, smoke or soot emission
  • Theft, burglary, robbery and vandalism
  • Glass breakage

The insurance also covers the loss of income caused by a standstill or reduced output of the photovoltaic system as a result of insured loss.

The following are excluded from the insurance cover, for example:

  • Damage due to normal wear and tear
  • Warranty cases
  • Damage wilfully caused by the policyholder
  • Damage as a result of war or warlike events
Insured components
  • Solar modules
  • Module frames
  • Inverters
  • Generation and feed-in meters
  • Overvoltage protection
  • Charge regulators
  • Cabling on the company premises (DC and AC)
  • Cable ducts and other roof penetrations

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