What the programme should address

Construction

Transit, installation, testing and delayed completion.

Operational property

Turbines, panels, substations and balance-of-plant.

Machinery breakdown

Sudden failure of electrical and mechanical equipment.

Revenue protection

Income loss following insured damage and selected resource triggers.

Risk review priorities

• Model natural hazards at site level.
• Assess supplier quality and serial-defect exposure.
• Review grid connection and curtailment risk.
• Set spares and replacement strategies.
• Validate revenue and indemnity-period models.

Scenarios to test

1. Hail damages a solar portfolio.
2. A turbine component fails across several units.
3. A substation loss interrupts an entire site.
4. Construction damage delays contracted revenue.

For each scenario, identify the affected policy, trigger, deductible, sublimit, waiting period, recovery time and uninsured amount. Treat any gap as an explicit retained risk rather than an assumption.

How Kompetenz supports the placement

We translate operational and contractual information into a structured insurance submission, compare policy wording across markets and help establish a claims-ready programme with clear responsibilities.

Conclusion

Renewable energy insurance needs project-specific engineering and realistic modelling of both physical damage and lost generation.

Next step: Request a tailored Business insurance review from Kompetenz.