Energy contractor insurance that protects the crew, the equipment, and the install.

It depends on crew size, trade focus, payroll, vehicle count, tools and equipment value, and loss history. Small solo or two-person operations may pay a few thousand a year; larger crews with significant equipment and higher revenue run considerably more. We quote your actual operation in about 15 minutes — never a generic estimate.

General liability covers third-party bodily injury and property damage — not the quality of your design or sizing decisions. A mis-sized HVAC system or an underperforming solar array is a professional-judgment issue covered by errors & omissions, not GL.

General liability covers physical injury or property damage on the jobsite. Errors & omissions covers financial loss from a design, sizing, or recommendation mistake — a system that doesn't deliver the promised output or an energy-audit recommendation that fails to save what was projected.

No. Commercial auto covers the vehicle and liability on the road. Tools, panels, and equipment stored in a van or trailer need tools & equipment (inland marine) coverage, which follows the property wherever it's staged, in transit, or stored.

Almost never. Standard GL policies contain a pollution exclusion that removes coverage for the release of chemicals, including refrigerant. HVAC contractors need dedicated pollution liability to cover a refrigerant release.

In most states, yes — workers' comp is required once you have employees, and energy-contracting work is high-hazard. Roof falls, ladder injuries, electrical shock, and confined-space HVAC work all make proper workers' comp essential. We class-code energy trades correctly.

Solar and HVAC installers carry different codes than general electricians or roofers — installation crews, service and maintenance techs, and office staff. Correct classification matters: wrong codes mean overpayment, undercoverage, and audit surprises. We assign codes to your actual workflow.

Vehicles used for business — service vans, bucket trucks, and equipment trailers — need commercial auto. Personal auto policies often exclude or limit business use. We coordinate auto with your tools & equipment coverage for what's stored inside.

Only with the right coverage in place. General liability covers the third-party injury; the panel and equipment damage may fall under your tools & equipment or property coverage depending on where the loss occurred.

It can, with the right structure. If you use subcontractors, we make sure your GL and workers' comp coordinate with their coverage so you're not left holding liability for a sub's crew — request their certificates and consider additional-insured status.

Tools & equipment claims are paid against records — serial numbers, purchase value, and sometimes photos. Incomplete records mean delayed or reduced payments. We help you document your equipment properly up front so a claim is paid quickly and at full value.

Yes. High-value equipment should be scheduled individually rather than lumped into a blanket limit. Standard blanket coverage pays a flat sublimit; we schedule high-value items at their real worth.

Yes. Multi-trade energy contractors carry combined exposure across several risk categories, and we build one coordinated program — GL, workers' comp, auto, tools & equipment, and E&O — that reflects everything you actually do.

Yes. Contractors Choice Agency is licensed in all 50 states and has markets for energy contractors whether your business is in California, Texas, the Northeast, or anywhere in between.

Typically 15 minutes on a call. For larger programs with significant equipment or multiple crews we may need a day or two to involve the right markets, but we move fast and tell you the timeline up front.

Often yes. We have admitted and excess-and-surplus (E&S) markets for energy contractors declined over a prior claim, equipment theft loss run, OSHA citations, or other issues. Bring us what you have and we'll find a path.

Usually yes. Bundling general liability, workers' comp, commercial auto, tools & equipment, errors & omissions, and pollution into one coordinated program closes gaps between policies and is almost always cheaper and cleaner than separate policies from separate carriers.