ARIA · loading
Energy and renewables span developer-stage, construction-stage, and operational-stage exposures, each with a distinct insurance profile. Wind, solar, battery storage, geothermal each have unique loss profiles. The line that surprises developers is performance / warranty coverage for asset output, which is often missing in early-stage policies.
Below is that profile under New Mexico rules: Southwest perils, state statutes, and the market structure built around them.
The exposures that hit this class hardest, drawn from analysis of mid-market accounts. The structural ones cost more than the premium-driven ones.
Full industry deep-dive: Commercial insurance for Energy & Renewables →
The perils and statutes that change how energy & renewables coverage must be structured here, before any quote means anything.
Full state guide: Business and commercial insurance in New Mexico →
The lines ARIA recommends for a well-structured program in this industry, in the order they typically attach.
The core stack for energy & renewables typically starts with Builders Risk w/ DSU (Delay-in-Startup), Operational Property + Equipment Breakdown, Commercial General Liability, Performance / Warranty Bond, structured in that order. Workers' compensation is generally required at three or more employees, with construction trades required to carry it regardless of count. ARIA reads your operation against both the industry profile and New Mexico specifics before any quote is requested.
Generally at three or more employees, but construction businesses need it with any employee count. The state's mix of contract crews and seasonal work makes payroll classification worth an annual review.
For the industry itself: project delay-in-startup (dsu). Construction delays on a renewable asset cause cascading losses: PPA penalties, financing costs, delayed revenue. DSU coverage is often inadequate vs the actual financial-model loss. Layered on top in New Mexico: wildfire and the urban interface. Record fires demonstrated that New Mexico's wildland-urban interface carries real commercial exposure. Brush zones, defensible space, and carrier wildfire scoring now decide property availability and price in much of the state.
ARIA pre-loads the energy & renewables exposure profile with New Mexico perils and statutes layered on. Top risks, the stack that answers them, and the carriers in appetite for your class here.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page