External Liability Challenges

A project developed by a local cooperative is highly visible and any incident directly affects the local community, making liability claims more sensitive.

• Public Liability (PL): Covers claims arising from injury or property damage to third parties caused by the cooperative’s operations. Examples include a visitor tripping at the project site, or noise/shadow flicker from wind turbines affecting adjacent landowners.
• Contractual Liability: Liability assumed under contract, for instance, a lease agreement with a landowner that specifies obligations if the project causes soil contamination.
• Environmental Impairment Liability (EIL)

Due to the nature of energy projects, Environmental Impairment Liability (EIL) is a necessary consideration. While solar is clean, risks remain, such as chemical spillage during maintenance or the costs associated with the disposal of damaged (and potentially hazardous) PV modules after a major claim. A specialist policy ensures that the cooperative is covered for sudden and gradual pollution claims.

Protecting Your Members: Specialist Insurance for Cooperative Risks

Energy cooperatives face a unique matrix of risks: managing member capital, protecting volunteer board members (D&O), and securing continuous revenue from complex assets. Standard commercial insurance often fails to cover these specialized liability and capital protection needs.

Don’t let a claim jeopardise your cooperative’s mission and member trust.

Solarif understands the unique fiduciary and operational duties of energy cooperatives. We translate these risks into bespoke D&O, P&C, and Business Interruption policies designed to safeguard member investments and secure the long-term viability of your community project. Contact us today for a risk consultation tailored to your cooperative’s structure.

📧 Email: support@solarif.com
☎️ Phone: +31 (0)26 711 5050