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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.
Drawn from analysis of mid-market accounts in this class. The structural ones, what's missing from the coverage rather than what it costs, are the ones that end up on a balance sheet.
The lines ARIA recommends for a well-structured coverage stack in this industry, in the order they typically attach.
ARIA can now evaluate the controls, dependencies, and operating risks that shape how your business responds before, during, and after a loss. About 3 minutes. A Business Preparedness Score, public website security signals, and the three actions that matter first.
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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