Importers, wholesalers, distributors and manufacturers of renewable energy products face product liability, property, stock and transit exposures. Mercantile arranges insurance for Australian businesses supplying commercial energy systems and related equipment.

Insurance for renewable energy importers and suppliers

Relevant products may include photovoltaic modules, inverters, battery systems, mounting equipment, electrical controls, commercial EV charging equipment, heat pumps and energy management devices. We focus on commercial supply chains and established business operations.

Exposures to present to insurers

• Products designed, assembled, imported, branded or distributed
• Countries of manufacture and destination markets
• Stock held at warehouses, third-party logistics sites or customer locations
• Goods in transit by sea, air, road or rail
• Product installation, commissioning or technical support
• Product documentation, testing, warranties and quality processes
• Supplier concentration, customer credit and business interruption

Cover options we can discuss

Public and products liability for covered third-party claims; marine cargo and transit for eligible goods while moving through the supply chain; and property and business interruption for declared premises, stock and insured interruption scenarios. Depending on the operation, we can also consider product errors and omissions, cyber, management liability, trade credit and motor fleet.

Product recall, guarantee, warranty, replacement, performance shortfall and contractual liabilities are not automatically covered by a standard liability policy. Any such cover needs to be specifically considered with insurers; exclusions and sublimits may apply.

Questions about supplier insurance

Can an Australian policy cover products sold overseas?

Some insurers consider overseas sales, subject to the policy’s territorial limits, jurisdiction provisions, product information and underwriting. The intended markets must be disclosed.

Is imported stock automatically insured during transit?

No assumption should be made. Transit insurance depends on the policy structure, insured interest, route, conveyance, values and conditions.

Can a broker insure product recall costs?

Specialist product recall insurance may be available for some risks, subject to underwriting and specific wording. It is separate from ordinary products liability cover.

Arrange a review

Tell us about the products, sales territories, import volumes, storage arrangements, turnover, key suppliers and existing insurance. We can prepare the information insurers need to consider your risk.