With more holiday parks embracing photovoltaic (PV) solar panel systems to cut energy bills and lower their carbon footprint, protecting that investment is more important than ever.
While solar energy can provide long-term savings and environmental benefits, it also introduces new risks that require careful insurance planning.
COVER FOR PROPERTY DAMAGE
PV systems are vulnerable to damage from weather events, vandalism, and accidental impacts.
Parks should speak with their insurer to confirm that their existing property policy includes cover for storm damage (including hail and high winds), fire, electrical faults, theft, vandalism, and accidental damage from incidents like falling branches or vehicle collisions.
MITIGATING BUSINESS INTERRUPTION
For parks that rely heavily on solar power, a damaged system can impact operations.
Business interruption insurance can protect against loss of income while repairs are underway, helping to minimise disruption to guests and maintain cash flow.
LIABILITY AND COMPLIANCE
Public liability insurance is crucial for protecting against claims arising from solar panel-related injuries or property damage—such as falling panels or electrical fires from faulty installations.
It’s also essential to work with an MCS (Microgeneration Certification Scheme) certified installer who carries appropriate liability cover. This helps ensure installations meet strict safety and compliance standards.
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SECURITY AND THEFT PREVENTION
Because solar panels can be attractive to thieves, insurance should include theft protection. Parks can reduce risk by installing CCTV and motion-sensor lighting.
ENVIRONMENTAL AND FIRE HAZARDS
PV solar systems include materials—like lithium-ion batteries—that may be hazardous if damaged. Pollution liability insurance offers added protection against environmental claims.
Fire risks can also arise due to moisture ingress, dirt buildup, or substandard components. The Fire Protection Association (FPA) recommends using non-combustible roof surfaces, appropriate fire-rated materials, and ensuring inverters are installed in safe, ventilated areas.
TOP TIPS FROM PIB INSURANCE
• Choose MCS-certified installers for design, installation, and maintenance
• Consult your local fire service to flag any firefighting challenges
• Fit fire switches that isolate both AC and DC sides of the system
• Keep inverters at least two metres from combustible materials Even in low light, solar panels can generate current—posing risks during emergency response.
Understanding the hazards and putting the right insurance and safety measures in place can ensure parks reap the rewards of solar power without the pitfalls.
PIB Insurance
0330 058 9863
Dave.Moffat@pib-insurance.com