Insurance for Power Generation & Utilities Projects
Non-nuclear power plants, substations, transmission lines and utility distribution work keep communities running. A design problem can mean an outage for thousands of customers.
Electrical infrastructure in dry regions also carries wildfire exposure, which has become one of the largest concerns in this field.
Why Power and Utility Work Is Different
Downtime affects customers far beyond the site, and claims follow.
Equipment and line design in fire-prone areas is scrutinized after a fire.
Utility requirements and approvals can delay projects.
Losses can exceed your fee many times over.
For example: the substation outage
A new substation protection scheme trips during a routine fault, blacking out a business district for six hours. Businesses file claims, and the utility looks to the engineer who designed the protection settings.
The settings study, the utility’s review, and the contract’s limits on consequential damages decide the engineer’s exposure.
Hypothetical example for illustration. Coverage for any claim depends on the policy terms and the facts.
Power Generation & Utilities: Common Questions
Is wildfire a concern for electrical engineers?
It can be for firms designing lines and equipment in fire-prone areas. Ask whether your policy has wildfire-related exclusions or sublimits.
Do utilities require high limits?
Often, yes, and many use their own contract forms with broad indemnity.
How is solar treated?
Solar and battery storage are often grouped with power generation. See our Solar & PV Engineers page for the specific exposures.
Disciplines Most Active on Power Generation & Utilities Projects.
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.