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The Indonesian government is accelerating the national energy transition program to achieve the Net Zero Emission (NZE) target by 2060. One of the main pillars of this program is the utilization of solar energy through the construction of Solar Power Plants (PLTS), especially rooftop solar systems which are now starting to be widely used by households, offices, and industries throughout Indonesia.<\/span><\/p>\n The Ministry of Energy and Mineral Resources (ESDM) has launched various policies and incentives, including the National One Million Rooftop Solar Movement, to encourage people to switch to clean and independent energy sources. However, despite this significant potential, solar power plant investment poses significant challenges, including technical, operational, and financial risks that cannot be ignored.<\/span><\/p>\n This is where the role of PT Liberty and General Insurance Broker (L&G) becomes very important.<\/span><\/p>\n As an experienced insurance broker in the energy and infrastructure projects sector, L&G plays a role in helping solar power plant owners, EPC contractors, and O&M operators understand the risks, choose the right policy, and ensure optimal insurance coverage from the beginning to the end of the project.<\/span><\/p>\n L&G not only acts as an intermediary between clients and insurance companies, but also as a risk consultant who understands the ins and outs of energy projects, including rooftop solar power plants which are now part of the national agenda towards a green economy.<\/span><\/p>\n <\/p>\n Rooftop solar power plants consist of various components, such as solar panels, inverters, mounting structures, cables, protection systems, and the building’s electrical network. Each component carries the potential risk of damage or failure, which can result in significant losses.<\/span><\/p>\n Some of the main risks of rooftop solar power plants include:<\/span><\/p>\n Without proper risk management, these losses not only disrupt cash flow, but can also reduce the return on investment (ROI) of clean energy projects.<\/span><\/p>\n <\/p>\n Solar power plant risk management needs to be carried out at every stage of the project:<\/span><\/p>\n <\/p>\n To protect solar power investments comprehensively, a combination of several types of insurance policies is required:<\/span><\/p>\n Protecting the solar power plant during construction and installation against the risk of fire, explosion, lightning, flood, human error, or work accidents.<\/span><\/p>\n Example:<\/span><\/p>\n If during installation, some panels fall and are damaged due to strong winds, this loss can be claimed through the CAR\/EAR policy.<\/span><\/p>\n Covers physical damage to solar power plants that are already operating due to fire, lightning, floods or storms.<\/span><\/p>\n Solar power plants are considered part of protected building assets.<\/span><\/p>\n Covers damage to machines or electronic components, such as inverters, due to internal faults or power surges.<\/span><\/p>\n <\/p>\n Provides compensation for lost income due to operational disruptions caused by damage to solar power plants.<\/span><\/p>\n Bear legal responsibility towards third parties, for example if a fire from the solar power system spreads to neighboring buildings.<\/span><\/p>\n Combining Solar Power Plants with Existing Property Insurance<\/span><\/p>\n For homes, offices, or factories that already have a property insurance policy, the most efficient solution is to incorporate solar power into the policy through an additional endorsement.<\/span><\/p>\n Practical steps:<\/b><\/p>\n Brokers such as L&G Insurance Broker will assess the risk and prepare policy wording so that the solar power plant is recognized as part of fixed assets.<\/span><\/p>\n Add special endorsement<\/span><\/p>\n For example:<\/span><\/p>\n “This policy also covers damage or loss to the Solar Power Generation (PLTS) system permanently installed on the insured building.”<\/span><\/p>\n Update total insurance value<\/span><\/p>\n Insurance value = Building value + PLTS value.<\/span><\/p>\n Premium adjustment<\/span><\/p>\n The premium increase is usually only 0.05%\u20130.1% of the solar power investment value.<\/span><\/p>\n <\/p>\n With an additional investment of Rp 2 billion in solar power plants, premiums only increase by around Rp 1.4 million per year \u2014 efficient and providing comprehensive protection.<\/span><\/p>\n <\/p>\n <\/p>\n Insurance brokers such as PT Liberty and General Insurance Broker (L&G) have the primary responsibility of helping clients understand and map risks to ensure their solar power plant projects run safely and securely.<\/span><\/p>\n The main tasks of a broker include:<\/span><\/p>\n About the importance of routine maintenance, technical documentation, and compliance with safety standards.<\/span><\/p>\n <\/p>\n A manufacturing plant in Bekasi installed a 500 kWp rooftop solar power plant worth Rp 4.5 billion. The project was managed by a national EPC contractor and facilitated by an Insurance Broker to arrange the insurance program.<\/span><\/p>\n Chronology of events:<\/span><\/p>\n Six months after the solar power plant was operational, a tornado occurred which caused some of the panels to lift and fall from the roof.<\/span><\/p>\n Material losses are estimated to reach IDR 350 million.<\/span><\/p>\n Insurance Broker Steps:<\/span><\/p>\n As a result, the insurance company approved a claim payment of Rp 340 million in just three weeks.<\/span><\/p>\n Because the solar power plant has been endorsed in the factory’s Property All Risks policy, the claims process was fast and without rejection.<\/span><\/p>\n This case demonstrates that the presence of a competent insurance broker is crucial in ensuring clients receive maximum protection and compensation.<\/span><\/p>\n <\/p>\n In addition to having insurance, solar power plant owners need to implement the following preventive measures:<\/span><\/p>\n <\/p>\n Rooftop solar power plants are a symbol of Indonesia’s progress toward energy independence and a green economy. However, despite their benefits, there are potential risks that must be managed wisely.<\/span><\/p>\n Through a systematic risk management approach and proper insurance protection, every home, office, or factory owner can ensure that their investment remains safe and sustainable.<\/span><\/p>\n PT Liberty and General Insurance Broker (L&G) is ready to be your trusted partner in:<\/span><\/p>\n With the support of a professional insurance broker, clean energy is not only environmentally friendly \u2014 it’s also financially secure.<\/span><\/p>\nWhy Risk Management is Important in Rooftop Solar Power Plants<\/span><\/h3>\n
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Solar Power Plant Risk Stages: From Design to Operation<\/span><\/h3>\n
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Types of Insurance Needed for Rooftop Solar Power Plants<\/span><\/h3>\n
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Rooftop Solar Power Plant Insurance Premium Simulation<\/span><\/h3>\n
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Duties and Roles of Insurance Brokers in Solar Power Plant Projects<\/span><\/h3>\n
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Case Study: The Role of Insurance Brokers in Rooftop Solar Power Plant Claims<\/span><\/h3>\n
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Additional Risk Prevention Steps for Rooftop Solar Power Plants<\/span><\/h3>\n
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Conclusion: Insurance Is a Pillar of Security for Clean Energy Investments<\/span><\/h3>\n
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