Renewable Energy Business Insurance

Renewable Energy Businesses Have Unique Needs

Renewable energy businesses work to protect the environment using or generating clean, renewable energy, or providing the equipment and service for companies that do. Whether you are a solar power start-up or a fuel cell Fortune 1000 company, our dedicated underwriting specialists can help customize insurance solutions to your business’s unique needs, from property and general liability, workers' compensation and auto, to installation, builders risk, and international travel and sales.
Recommended Coverage for Renewable Energy Businesses
The Hartford offers general liability for renewable energy businesses such as wind turbine manufacturers, hydroelectric dams and power plants.

Our General Liability Choice® insurance helps protect green energy businesses from bodily injury and property claims including:
  • Personal and advertising injury, such as: libel; slander; defamation; and product disparagement including offenses that occur from your website, bulletin boards and chat rooms
  • Broad named insured, including contractual liability, manufacturer’s errors and omissions, and product recall expense coverage
  • Time element pollution extension endorsements
  • Blanket additional insured coverage
  • Primary non-contributory coverage when required by contract
  • Per project/per location aggregate
  • Failure to supply coverages are available for power and utilities exposures
The Hartford understands that renewable energy businesses rely on company trucks and cars to keep their green energy operations running smoothly. Whether it’s a solar energy company sending an employee out in a company truck to perform maintenance on a solar installation or a wind turbine company transporting a 116-ft turbine blade, renewable energy businesses need to know that their employees and vehicles are covered in the event of a loss.
Renewable energy business insurance from The Hartford helps protect commercial vehicles with:
  • Hired auto physical damage – automatically covers physical damage to any auto a renewable energy company rents, loans or leases (up to $100,000 per loss) if the business purchases physical damage and liability coverage for its autos
  • Employees as additional insureds – covers a green energy company’s employees for liability if they use their own autos to conduct company business
  • Upset and overturn extension of coverage – covers expenses related to cleanup from an upset and overturn of spilled product
With workers' comp from The Hartford, you may be better able to manage cash flow and mitigate audit surprises by basing your premium payments on actual, not estimated, payroll – one pay period at a time. This flexibility can be critical to businesses that are experiencing staffing changes. We offer:
  • Broad form endorsements to help protect against certain unknown and unanticipated exposures not typically covered by a standard policy1
  • Our basic option is automatically included at no extra cost and includes employers’ liability stopgap for monopolistic states and voluntary compensation
  • Our extended option is available for an additional charge and includes increased limits for employer’s liability, foreign voluntary compensation and United States Longshore and Harbor workers’ Compensation Act (USL&H)
1 Some coverages may not be available in all states.
In the event that a claim made against a renewable energy business exceeds its primary liability coverage limit, The Hartford’s commercial umbrella insurance can help cover the additional costs.
With up to $25 million in policy limits, renewable energy businesses can rest assured knowing their commercial umbrella policy from The Hartford is there to help with additional protection when they need it most.
Additional Solutions for Renewable Energy Businesses
The Hartford has a long history of providing innovative inland and ocean marine products and services to renewable energy companies to help meet specialized property and cargo coverage needs, including:
  • Shipper’s Interest
  • Ocean Cargo ChoiceSM
  • Installation coverage
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
Our Management Liability insurance for green, renewable energy businesses offers coverage options and limits that businesses can tailor to their specific needs. Our management liability coverages include:
  • Directors & Officers
  • Employment Practices Liability
  • Fiduciary Liability Crime
  • Kidnap & Ransom/Extortion
Cost-Saving Services for Renewable Energy Businesses
The Hartford believes one of the best ways to protect employees from work-related injuries and illnesses is by providing industry-leading loss control services. Our risk engineering team offers a broad range of consultative services and educational opportunities to help foster a safer work environment for midstream energy employees.
Our risk engineering team’s loss control services are designed to help midstream energy businesses assess the risks and safety concerns of their operations. Our experts work with midstream energy businesses to provide employee training and education on safety equipment, create emergency safety plans and site and equipment maintenance plans. They will also help set up absent, leave and return to work programs.
Our customers rest easy knowing that The Hartford’s industry leading claims service support team is there to provide:
  • 24/7 claims reporting
  • Specialized claims handlers for specific coverages
  • Experienced claims and legal assistance to help achieve the best outcomes in even the most difficult claims
  • Extensive networks of medical providers, pharmaceutical providers and medical case management
A Loss-Sensitive Program is a form of insurance that allows you to pay a lower upfront premium. You pay “dollar one” up to a set limit because your business will actually participate in loss payment, up to a retention that's agreed upon between you and The Hartford.
Through The Hartford Energy Group, we customize loss-sensitive rating plans for larger contractors’ exposures, controls, financials, and risk-reward profile. We offer large deductible, retrospectively rated, self-insured retention and guaranteed cost plans.
In partnership with you and your agent, we can help you to:
  • Save money by balancing risk retention and risk transfer with premium savings – through our customized programs
  • Save time by improving effectiveness and efficiency – through customized dashboards, filters and email alerts in our risk management information system, TREO | Track Risk. Explore Opportunities.SM
  • Improve outcomes by coordinating claims and risk management services – through our Risk Management Solutions team

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The coverages and services described herein are summaries only. All policies should be read carefully to determine exclusions, limitations and other terms and conditions. In the event of a conflict, the terms and conditions of the policy will govern. All coverages and services may not be available for all businesses or in all states. Please contact your agent or broker for details.

Coverage is underwritten by Hartford Fire Insurance Co. and its property and casualty insurance affiliates. In California, this insurance is written by Sentinel Insurance Company, Ltd. (CA license #8701). In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In WA, this insurance is written by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident and Indemnity Company, Hartford Underwriters Insurance Company, Sentinel Insurance Company, Ltd. and Hartford Insurance Company of the Midwest.