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INSURANCE DESIGNED AROUND ROOF-MOUNTED SOLAR & ENERGY SYSTEMS
Why Solar Panels & Roof Systems Need the Right Insurance
Roof-mounted solar and energy systems on office blocks are no longer unusual – but not every policy automatically gives them the detail they deserve. There are questions around ownership (landlord vs tenant vs third-party provider), fixings to the roof, fire risk, wind uplift, hail damage, theft, maintenance contracts and income streams based on power generation or roof leases.
Insure24 helps property owners, investors, managing agents and energy providers make sure solar PV and roof energy systems are properly declared and insured – whether they sit within your standard office block policy or a dedicated renewable energy section.
What Solar Panels & Roof Energy Systems Cover Can Include
Protection for the physical equipment and the financial benefit it provides.
- Physical damage to solar PV panels from fire, storm, flood and impact.
- Damage to inverters, switchgear, mounting systems and associated cabling.
- Cover for rooftop energy systems installed on flat or pitched roofs.
- Theft or malicious damage to panels, cabling or control equipment.
- Accidental damage during maintenance or works on the roof.
- Damage to the roof membrane or structure directly linked to the system.
- Business interruption / loss of revenue from reduced energy generation (where insured).
- Loss of rental or licence income from third-party energy providers (subject to wording).
- Public liability if falling panels or works cause injury or third-party damage.
- Employers’ Liability for staff working on or near roof systems.
- Optional cover for battery storage and related control systems.
- Engineering inspection / breakdown cover for inverters and switchgear (where arranged).
Key Risks with Solar Panels & Roof Energy Systems
Understanding how the technology interacts with your roof, tenants and office building insurance.
Physical & Technical Risks
- Fire risk from electrical faults, inverters, cabling or roof penetrations.
- Wind uplift and storm damage to mounting systems and panels.
- Water ingress where fixings compromise the roof covering.
- Panel efficiency losses due to damage that is not immediately obvious.
- Impact damage from debris or maintenance activities on the roof.
Ownership, Contracts & Income
- Systems owned by the landlord vs tenant vs third-party energy provider.
- Roof lease or PPA agreements that define who insures what.
- Bank or funder interests where the system is financed separately.
- Loss of electricity savings or export income after damage.
- Impact on tenants if roof systems are unavailable or need major repair work.
Making Sure Your Office Block Policy Responds Properly
Solar and roof energy systems need to be correctly disclosed and described to insurers.
Key Questions to Clarify with Insurers
- Are solar panels and roof systems included in the building sum insured?
- How are inverters, switchgear and battery storage treated under the policy?
- What conditions apply to installation, maintenance and electrical safety?
- Are there any exclusions relating to roof-mounted equipment or renewables?
- Does the business interruption or loss of rent section recognise energy income?
How Insure24 Helps You Get it Right
- We capture clear information on your solar and roof systems for underwriters.
- We explain roof construction, panel layout and system capacity in insurer-friendly language.
- We work with insurers experienced in commercial property and renewables.
- We help align your insurance with roof lease, PPA and funding agreements.
- We support claim preparation if damage affects both the roof and the energy system.
Who Is Solar Panels & Roof Energy Systems Cover For?
Any commercial landlord or office block owner with existing or planned rooftop energy installations.
Property Owners & Landlords
- Office block owners adding solar PV to reduce energy costs.
- Investors acquiring buildings with existing rooftop energy systems.
- Owners of mixed-use blocks with panels on commercial roof space.
- Landlords entering roof lease agreements with energy providers.
- Portfolios with multiple office buildings using rooftop PV across sites.
Energy Providers & Specialist Operators
- Third-party renewable energy companies leasing roof space.
- Operators of small-scale commercial rooftop solar portfolios.
- Joint venture structures between property owners and energy providers.
- Funded or financed systems needing lender-approved insurance terms.
- Businesses using battery storage and smart controls alongside rooftop PV.
“Adding solar panels to our office block made financial sense – but we needed to be sure the building, roof and energy income were all properly insured. Insure24 helped us structure the cover so everything joined up.”
Commercial Property OwnerPROTECT YOUR ROOF, YOUR SYSTEM & YOUR ENERGY INCOME
- The physical solar panels, inverters and associated equipment.
- The roof structure they are fixed to and any resulting damage.
- Your rental, licence or generation income connected to the system.
- Your obligations under leases, roof agreements and funding deals.
- Your long-term investment case for rooftop renewables on office blocks.
FREQUENTLY ASKED QUESTIONS
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Are solar panels automatically covered under my office block insurance?
Not always. Some policies treat solar PV as part of the building, others may require them to be
specifically noted or insured under a separate section. It is important to disclose rooftop energy
systems so cover can be confirmed in writing.
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Who should insure the solar panels – landlord, tenant or energy provider?
It depends on who owns the system and what your lease or roof agreement says. Sometimes the landlord
insures the panels within the building policy; in other cases the system owner covers them separately.
We review the contracts and structure the insurance accordingly.
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Does cover include loss of income from electricity generation?
Many standard property policies do not automatically cover loss of generation or export income, but
this can sometimes be added via business interruption or a specialist renewable energy section. We
discuss your income stream and arrange cover where available.
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Are there special requirements for fire safety and electrical testing?
Insurers expect systems to be professionally designed, installed and maintained, with up-to-date
electrical certification and appropriate isolation points. Some may require enhanced fire risk
assessments or specific shut-down procedures for the panels and inverters.
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Does installing solar panels affect my office block premium?
It can do, depending on the size and nature of the system, the roof construction and your overall risk
profile. Sometimes the impact is modest; in other cases insurers may apply specific conditions. The key
is early, accurate disclosure so terms can be negotiated.
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Can battery storage be insured alongside rooftop solar?
In many cases yes, but insurers will want detail on the battery type, location, fire protection and
monitoring. We gather the right technical information and place cover with insurers familiar with
energy storage risks.
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What about damage to the roof caused by solar panel fixings?
Where the roof and panels are insured together, damage from insured events such as storm or impact can
be covered. Claims linked purely to poor workmanship or wear and tear are not normally insured. We
explain the distinction and the importance of robust installation standards.
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Can lenders or funders be noted as an interested party on the policy?
Yes. Where finance is in place for rooftop energy systems or the wider building, mortgagees and funders
can be noted on the policy schedule. We work with you and your lenders to ensure their requirements are
satisfied.
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What information do you need to quote for roof solar cover?
Typically we ask for system size (kWp), location, roof type, panel layout, ownership, installation and
maintenance details, plus any battery or specialist equipment. We combine this with your standard
building information to approach suitable insurers.
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How do I get a quote for Solar Panels & Roof Energy Systems Cover?
Call Insure24 on 03301272333 or request a quote online. We will discuss your office block, current or
planned rooftop systems and any lease or funding arrangements, then obtain tailored terms from
appropriate insurers.