Asbestos Roofing Materials & Inhalation Hazards
During installation, asbestos-containing materials (ACM) may be encountered in various roofing materials such as tar and asphalt liquids, felt and underlayment, caulking, mastic, flashings, vents, cement-based shingles, flat-sheets, and corrugated asbestos roofing. Disturbed, drilled into, or cracked ACM can cause an airborne release of inhalable fibers, serious health hazards, and fatal diseases such as asbestosis and mesothelioma and require ongoing medical monitoring. Improper disposal of jobsite waste that contains ACM can result in environmental liability.
Solar Thermal Water Systems & Legionella
Legionella is a bacterium that causes a form of potentially fatal pneumonia. It can grow in solar-thermal heating systems where the bacterium can accumulate in warm, stagnant, or infrequently drained water from the storage vessel. Errors in design/assembly, poorly maintained systems, and inadequate sanitizing of parts and surfaces can support growth. Exposure to third parties can result in severe health issues like Legionnaires’ disease.
Solar Energy System Design & Engineering Liability
Companies may provide in-house design services that can result in professional liability. Design work may include performing all the design work, performing some work relative to an aspect of the solar energy system, or providing professional opinions on design aspects. Design exposures can include the design and engineering of the system, selection of parts and equipment, considerations of roof material and structure, building orientation, loading requirements, and compliance with building and electrical codes and utility interconnection requirements. Errors and omissions can delay time, budget overruns, and rework.
Jobsite Design Modifications & Field Spec Changes
Contractors may make modifications to design specs while at the jobsite. Malfunctions arising from these changes create a direct professional responsibility for the contractor.
Subcontractor Oversight & Vicarious Liability
Subcontractors may be used for electrical, mechanical, plumbing, or roofing work, and the contractor may have to defend against claims relating to work for which they were responsible due to the hiring, selection, and supervision of the subcontractors.
Roof Penetrations & Mounting-Related Mold Exposure
Installation of solar panels can involve drilling holes into the roof. An improperly installed section of solar racking, including the flashing and sealants, can cause water to leak into the building’s underlying wood and structure and grow mold and algae, leading to property damage and posing health hazards to building occupants. Improperly mounted anchors can also pull out of roofing from exposure to heavy winds and create an entry for moisture intrusion to occur.
Solar-Thermal Plumbing Leaks & Moisture Intrusion
Improper installation and maintenance of solar-thermal water heating systems, including pipes, fittings, pumps, tanks, and freeze protection, can leak and corrode, resulting in water intrusion into building materials and subsequent mold growth.
Jobsite Chemicals & Toxic Vapor Intrusion
Installation operations involve using various materials such as adhesives, solvents, sealants, silicones, tar, and polymers that can be flammable, toxic, and hazardous. Accidental spills and leaks at the storage location, during transportation, and at the jobsite may cause third-party exposures and cleanup. These materials can give off toxic, hazardous toxins or fumes that can be drawn into the building and ventilation system. Flammable products may result in a fire that spreads and releases other contained materials and produces hazardous vapors.
Solar Panel E-Waste & RCRA Hazardous Disposal
Contractors can be held liable for improper disposal of materials. Solar panels are manufactured using hazardous materials such as lead, cadmium, sulfuric acid, silica, and chromium and are considered a form of toxic, hazardous electronic waste. Disposed materials can pose an environmental liability if toxic materials leach out and contaminate soil and water supplies. Contractors are also responsible for determining if spent solvents, chemicals, lead-acid batteries, and other wastes are subject to the Resource Conservation and Recovery Act (RCRA) hazardous waste regulations. Improper disposal could lead to cleanup and third-party liability, and there may be legal consequences for violating RCRA hazardous waste requirements.
A Combined Pollution & Professional Liability Policy Can Provide Coverage For
Combining Commercial General Liability, Contractors Pollution Liability, and Professional Liability into one package policy may be available for solar contractors. Excess liability may also be offered.
Contracting operations completed “by or on behalf of” the insured
Contracting operations performed at a jobsite
Third-party claims for bodily injury and property damage
Third-party claims for cleanup
Mold, legionella, bacteria, fungi, lead, and asbestos
First and third-party transportation pollution liability
Sudden and accidental coverage for owned/leased locations
Non-owned disposal sites
Loading and unloading
Defense of third-party claims
Professional liability
Mitigation/rectification
Excess/contingent design