Key Physical and Operational Risks

The operational risks for a cooperative’s PV or wind farm are similar to commercial installations, but the impact of downtime is higher in terms of public perception and member rebates.

• Intermittency and Grid Risk: Technical faults at the grid connection point or operational failures (such as inverter failure) lead directly to production loss and reduced member benefits.
• Environmental Exposure: Due to their often rural location, co-op assets are susceptible to weather events (hail, storm) and damage from animals (cable gnawing).

Property & Casualty (P&C) and Business Interruption (BI)

The cooperative needs a robust P&C (Property & Casualty) insurance policy that covers the material damage to the assets. Crucially, this must be paired with a Business Interruption (BI) or Loss of Revenue policy.

Loss of Revenue Coverage: This pays out when physical damage causes a period of downtime, ensuring that the expected energy yield—and thus the financial benefit to members—remains stable, even after a claimable event. This coverage is key to the cooperative’s continued financial obligations to its members.

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