Solar insurance from the roof to the panel.
General liability, workers' compensation, equipment and commercial auto for residential and commercial solar installers and battery storage contractors.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Roof work and electrical work in one trade
Solar installers combine roof work, where falls are the main injury risk, with electrical work, where fire and roof leaks bring liability claims. Many carriers limit or decline the class.
I place solar contractors with carriers that write the trade, including battery storage and EV charger work, and keep certificates coming for homeowners, developers and general contractors.
- General liabilityRoof leaks, fire and property damage.
- Workers' compCrews on roofs and in attics.
- EquipmentPanels and inverters in transit and on site.
- Commercial autoTrucks and trailers.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- License: CSLB number and classifications.
- Work: residential, commercial or ground mount.
- Add-ons: battery storage, EV chargers or roofing.
- Payroll: employees, payroll and subcontractor costs.
- Revenue: annual gross receipts.
- History: current policies and loss runs.
Solar contractor insurance, answered
Does liability cover a roof leak after an install?
Liability can cover damage to the home's interior caused by your work. Redoing the installation itself is typically not covered.
Do solar contractors need workers' comp?
Yes, with employees. From 2028, California will require it for all licensed contractors.
Are panels covered before they're installed?
With installation floater or equipment coverage, materials can be covered in transit and on the job site.
Why is solar insurance hard to place?
Roof work and electrical work together make it a restricted class for many carriers. Specialty markets write it.
Do you offer solar contractor insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your license number. I'll shop it.
Your CSLB number, payroll and revenue are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.