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In response to the Liability crisis of the mid-1980s, during which capacity halved and premiums doubled, a pair of insurance companies formed to create new coverage solutionsand they ultimately grew into two of the largest insurance players in the world: Ace and XL.

The first in a thought-provoking series on managing infrastructure-related risk and loss.

Dave Lanford and his wife Heidi have run the Iris Inn of Waynesboro, Va., for five years, and in that time they have succeeded in creating a bed & breakfast haven that is eco-friendlya distinction insurers say is driving business to some inns over others.

The average commercial premium for a solar-energy policy is $5,000 to $15,000 a year, says William Dyer, commercial-lines coverage specialist and vice president and co-founder of HCP National Insurance Services Inc. in Aliso Viejo, Calif. Liability limits can reach up to $20 million for inland marine policies and up to...

As both the price for and controversy around fossil fuels continue to grow, renewable-energy risks are becoming an increasingly standard part of many insurers portfolioswith wind and solar leading the green-power pack, far ahead of biomass production and hydroelectricity.

The insurance needs of homeowners and businesses will evolve as they upgrade their property with green technology, and agents who can position themselves as knowledgeable on the topic and who check in with clients to discuss renewable-energy investments and exposures will be providing a valuable service to customers—and giving themselves...