Commercial solar and battery installation businesses combine electrical, construction, products and service exposures. Mercantile arranges insurance for Australian contractors working on commercial rooftops, industrial sites and business premises.

Insurance for solar and battery installation contractors

We work with installers, electrical contractors, battery integrators, operations and maintenance providers, and commercial EV charging contractors. We focus on commercial and business-to-business work rather than domestic household installation.

Business activities insurers may need to understand

• Rooftop solar installation, upgrade and maintenance
• Commercial battery energy storage and control systems
• Electrical works, commissioning and testing
• Subcontractor, labour hire and project work
• Supply or import of panels, inverters, batteries and charging equipment
• Design, specification, monitoring or energy performance services

Cover options we can discuss

Public and products liability for third-party injury or property damage allegations; contract works for eligible work in progress; and professional indemnity where the business provides design, consulting or other professional services. Depending on the business, we can also review commercial property, tools and equipment, motor fleet, cyber, management liability and workers compensation arrangements.

Cover is not automatic for every activity or project. Insurers consider the work performed, heights, testing and commissioning, products supplied, subcontracting, turnover, claims and project values. Policy terms, exclusions, limits and deductibles apply.

Questions we ask about installer insurance

Does public liability cover defective workmanship?

Policies differ. Liability cover generally responds to covered third-party claims, subject to its wording; rectification of the insured’s own defective work may be treated differently or excluded.

Can one policy cover installation and products supplied?

Some insurers consider both, but the activities and product types must be disclosed and accepted. We can review how the proposed policy describes them.

Can you arrange cover for battery and EV charging work?

We can approach insurers where the activities fit their underwriting appetite. Acceptance and terms depend on underwriting.

Arrange a review

Share your services, annual revenue, employee and contractor numbers, typical contract values, products supplied, locations and claims history. We can then consider suitable insurance markets.