Solar Builder

SEP-OCT 2017

Solar Builder focuses on the installation/construction of solar PV systems. We cover the latest PV technology (modules, mounting, inverters, storage, BOS) and equip installers/contractors with tips and tools to make informed purchasing decisions.

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38 S E P T E M B E R / O C TO B E R 2 0 1 7 W ith insurance (or the destruction of it) in the news so much lately, we figured we'd reach out to Christy Howley, solar program manager at ProSight Specialty Insurance, for some solar installation insurance advice. Recently, ProSight aligned with the North American Board of Certified Energy Practitioners (NABCEP) and became the group's preferred insurance provid- er. As a result, companies with NABCEP certification or certified employees may be eligible for pre- ferred rating. Here's how you can avoid being left high and dry by your solar business insurance. Solar Builder : What is typically lacking in more general insurance programs that solar contractors get lumped into? Christy Howley: Some policies may lack proper errors and omis- sions (E&O) coverage. This goes beyond general liability and can help protect against subjective claims like negligence, fair dealing and inaccurate advice. Another coverage that solar con- tractors should look for is employ- ment practices liability insurance (EPLI). This will help protect a busi- ness from claims that include: wrongful termination, discrimination, sexual harassment and retaliation. At ProSight, we are tapped into the solar industry and that allows us to create specific coverages designed to solve business obsta- cles that are unique to the solar industry. Examples are operation- al systems coverage and obstruc- tion of premise supplemental (OOPS) coverage. The former provides liability coverage for operational solar systems. The lat- ter, OOPS coverage, helps protect businesses from paying out of pocket to compensate clients when an installation accident leaves living quarters uninhabit- able. Both coverages can provide a contractor with peace of mind while working on projects. Does your solar business have the coverage it needs? By SB Staff QUESTION: Put a hard hat on, dude.

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