Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 2 named markets · read 2026-10-28

Who insures Solar installers?

Solar installers is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

2 markets publicly write Solar installers: Kinsale Insurance, NEXT Insurance. 1 E&S carrier, 1 admitted carrier. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Kinsale Insurance
E&S carrier		Energy E&S casualty; Alternative Energy target classes include solar power contractors and manufacturers.
“Solar power contractors & manufacturers”		all 50 statesSurplus lineskinsaleins.com · read 2026-10-28
NEXT Insurance
Admitted carrier		General liability, tools and equipment and commercial property coverage for solar contractors.
“Yes, NEXT Insurance offers General Liability, Tools & Equipment and Commercial Property coverage for solar contractors.”		not stated (page says not available in all states)not statednextinsurance.com · read 2026-10-28

Great American lists 'Alternative Energy' (not solar by name) as a suitable trade for its contractors pollution policy. Hiscox, Thimble, biBERK and Travelers solar pages returned 404/403; RPS pages render empty; the Van Wagoner domain (vwcos.com) now hosts unrelated content; GCube's site failed TLS.

How Solar installers gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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A few minutes to request the quote; it reaches the markets that take Solar installers, and the answers come back by email.

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