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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 $100 million for property, Dyer says.

HCP has about 15 renewable-energy customers nationwide, ranging from small side businesses to large solar-power plants. Clients include installers, who physically place wind turbines and solar panels for customer use, to alternate-energy generators that produce electricity.

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