Insurance for Warehouse Solar PV

Insurance is critical for warehouse solar PV — particularly for cold chain, food production, and pharmaceutical operations where consequential loss exposure is high. This guide covers insurer engagement, premium impact, and warranty cover.

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Insurer pre-design review

Allianz, AIG, Zurich, and the major commercial property insurers all now have specific PV criteria that we map against on every project. Pre-design review is mandatory for systems above 5 MW capacity or where consequential loss exposure is high (cold chain, pharma). Insurer sign-off before fabrication.

Premium impact

Customer-side premium adjustment is typically marginal (sometimes positive) post-install. We coordinate with insurer at design stage. Bad PV installs in 2018-2022 made insurance market harder for everyone — rigorous design with insurer engagement now standard.

IWA insurance-backed workmanship warranty

Our standard 10-year IWA-backed workmanship warranty covers installation defects independently of installer business continuity. Provides warranty cover even if installer goes out of business. Industry-standard for UK commercial solar.

Equipment warranty coverage

Module warranty: 25-year output warranty (Tier-1 manufacturer minimum). Inverter warranty: 10-12 years standard, extendable to 20-25 years. Mounting system: 10-year structural warranty. Combined warranty pack supplied at handover.

Common questions

Will solar increase our buildings insurance premium?

Typically marginal increase, sometimes positive (improved fire detection integration). We engage with your insurer at design stage and obtain pre-design review for major installs. Premium adjustment confirmed before commissioning.

What does the IWA warranty cover?

10-year insurance-backed workmanship warranty covers installation defects independently of installer business continuity. Industry-standard cover. Provides protection even if installer ceases trading.