Energy and renewables span developer-stage, construction-stage, and operational-stage exposures. Each with a distinct insurance coverage. 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 programs.
Drawn from analysis of mid-market accounts in this class. Two of them are structural: what's missing from the coverage rather than premium-driven.
The lines ARIA recommends for a well-structured coverage in this industry, in the order they typically attach.
A 100MW solar-plus-storage project enters commissioning. During battery testing, a thermal runaway event destroys the BESS, damages adjacent inverters, and forces a 7-month commissioning delay. PPA penalties + financing costs + lost revenue total $14M; direct damage $4M.
Standard builders-risk responds to the $4M direct damage but DSU sub-limit caps at $3M, leaving $11M of delay-related loss out-of-pocket. Developer loses tax-equity investor confidence; project completion delayed 18 months; investor sues for $24M.
RiskMind structures: $20M builders-risk + $20M DSU (matched to financial model) + dedicated BESS thermal-runaway endorsement. Total loss paid: $17.8M of $18M. Project completes 8 months late vs 18; tax equity retained; no investor litigation. Indicative annual premium for the construction-phase coverage: $480K–$680K.
Annual premium distribution across the full coverage stack for a comparable business in your industry. ARIA refines your exact position once it reads your declarations page.
Illustrative dataset · n=84 mid-market placements in this class
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