If you model savings, design systems or prepare certification submissions, disclose those services and reporting duties. E&O may address a covered allegation of negligent accepted services under its definitions and exclusions. A sound installation with lower savings, a denied incentive or an unmet performance guarantee is not by itself an insured professional error.

General liability may respond to resulting water damage from a faulty penetration, though outcomes depend on policy terms, endorsements, exclusions, and the facts of the claim.

Inland marine coverage may help protect panels, inverters, and batteries in transit and staged on site, where standard property coverage often falls short, depending on the policy.

Check the actual project agreement and current program terms for any insured parties, limits, endorsements or bond form. The Southern Agency can review those requests against available terms, not promise every requirement can be met. A certificate, project bond or insurance limit does not establish incentive eligibility or guarantee approval.

When systems are installed within new construction or major retrofits, builders risk may be required to protect the project before handover, depending on the contract and operations.

Insurers commonly weigh revenue, system mix, performance guarantees, height and electrical work, equipment values, and loss history. Coverage availability depends on underwriting.