Questions worth asking before you buy.

Solar insurance is a broad term for insurance solutions intended to protect solar assets or project-stage risks. The exact policy can vary by project type, stage, insurer and wording.

A solar system is a long-term asset exposed to physical risks such as fire, storms, lightning, flood, theft or accidental damage. Whether a particular loss is covered depends on the policy wording and exclusions.

Depending on the policy, the insured property may include PV modules, inverter, mounting structures, AC/DC cables, junction equipment, monitoring systems and related electrical components.

Not automatically. Business interruption or generation-loss related protection, where available, generally requires specific policy wording, conditions and underwriting. Do not assume physical-damage cover includes revenue loss.

Premium depends on multiple variables including asset value, location, project type, capacity, construction, risk features, coverage requested, deductibles and insurer underwriting.

No. Subsidy reduces eligible upfront cost; it does not by itself protect the asset against future physical loss. Insurance should be evaluated separately.

No insurer can guarantee every claim. Claim admissibility depends on the cause of loss, policy wording, exclusions, deductibles, compliance with conditions and supporting documentation.

Compare sum insured, covered perils, exclusions, deductibles, reinstatement basis, add-ons, warranties/conditions, claim process and the insurer’s policy wording.