According to the 2010 U.S. Wind Industry Monitor, significant growth in the use of wind turbines in the United States is projected over the next several years. Indeed, the U.S. recently surpassed Germany as having the largest usable wind capacity in the world.

As capacity continues to grow and technology behind wind energy continues to improve, more and more insurance underwriters are taking steps to include at least some wind energy business in their portfolios, generally underwriting via dedicated energy units. Experts believe that underwriting opportunities in wind technology will remain a significant growth industry for the next 20 years.

From an underwriting standpoint, commonly available types of coverage include protection for those individuals responsible for the design, construction, erection, commissioning and testing of wind turbines, as well as coverage for all risks of loss including destruction or damage to the turbine or property where the turbine is erected.

Policies also exist for business interruption or loss of revenue should a wind turbine stop working, damage to turbines while in transit, and potential environmental cleanup costs associated with a wind turbine loss.

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