Professional Liability (E&O) for solar contractors

Production shortfall claims — where a client asserts the system produces substantially less power than projected — are the most frequent solar E&O claims. Even when the shortfall is due to shading, roof orientation, or weather variability rather than professional error, claims still arrive and require defense.

It depends on the claim. E&O covers professional service failures — design errors, specification mistakes, and misrepresentations about technical performance. Disputes about financial terms or contract interpretation are different in nature. We can clarify what your specific policy covers before you bind.

GL covers third-party bodily injury and property damage. E&O covers professional service claims — design errors, production shortfalls, and specification mistakes. A solar contractor with both GL and E&O has complete liability coverage: GL for the physical incidents, E&O for the professional service claims.

Cost depends on installation type, crew size, payroll, states, equipment values, and loss history. We quote your actual operation in about 15 minutes — never a generic estimate.

Yes. Contractors Choice Agency is licensed in all 50 states and writes solar contractor programs for firms whether your crews work in California, Texas, Florida, or anywhere in the country.

Typically 15 minutes on a call. Larger commercial programs may take a day or two to place with the right specialty solar markets, but we move fast and set expectations up front.

Often yes. Prior roof damage, theft, or workers' comp claims don't automatically disqualify you. We have markets for solar contractors with challenging history — bring us your situation.

Usually yes. Coordinated programs close gaps between GL, workers' comp, floater, and auto — and are typically cheaper and cleaner than separate policies from separate carriers.

A.M. Best ratings reflect a carrier's financial strength. We place coverage with A-rated carriers so the coverage is there when a roof damage claim, a theft, or a production shortfall E&O claim hits.

Yes. We work with solar specialty markets for all installation types — residential rooftop, commercial flat-roof, carport canopy, ground-mount, and utility-scale solar.

Rooftop solar installation has specific workers' comp class codes that reflect the fall hazard profile of working at height. Generic contractor codes may not capture the solar installation exposure correctly — we classify your crews based on actual job functions.

Installation types, states where you install, crew size and payroll, panel and equipment values, revenue breakdown, current coverage, and 5 years of loss history. More detail means a more accurate quote.

Yes. The installation floater covers panels, inverters, and equipment against theft, vandalism, and accidental damage on job sites, in transit, and in storage — all risks that standard GL and commercial auto don't cover.

With appropriate endorsements, yes. Battery storage creates additional fire and electrical hazards that require coverage beyond standard solar GL. We confirm your program addresses battery storage exposure if your crews install BESS systems.

Solar E&O covers claims arising from design errors, production shortfall disputes, grid-tie specification mistakes, and other professional failures. When a client claims the system underperforms due to your professional error, E&O covers defense and settlement.

Yes. We structure programs so your GL, workers' comp, floater, and auto coordinate across state lines without gaps — including solar crews that travel between states for commercial projects.

Often yes — commercial solar project owners and utilities increasingly require performance and payment bonds on solar EPC and installation contracts. We issue performance bonds for solar contractors through admitted and specialty surety markets.