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Indonesia is moving towards a new era of clean energy.<\/span><\/p>\n In the National Energy General Plan (RUEN), the government targets the portion of new and renewable energy (EBT) to reach 23% by 2025 and increase to 31% by 2050.<\/span><\/p>\n One key strategy is the development of rooftop solar power plants (PLTS). This technology offers a real solution for households, offices, and industries to reduce reliance on conventional electricity while simultaneously reducing carbon emissions.<\/span><\/p>\n However, behind its economic potential, solar power plants are also assets with unique risk characteristics.<\/span><\/p>\n Without proper risk management, investments worth hundreds of millions or even billions of rupiah can be lost due to natural disasters, technical failures, or human error.<\/span><\/p>\n In this context, PT Liberty and General Insurance Broker (L&G) is present as a strategic partner that helps industry players understand, manage, and transfer solar power plant risks professionally through appropriate insurance solutions.<\/span><\/p>\n <\/p>\n Eternal and Environmentally Friendly Energy Source<\/b><\/p>\n Indonesia has solar energy potential of up to 207 GWp spread across its territory. Rooftop solar power plants are the most efficient way to harness this potential without requiring new land.<\/span><\/p>\n Save on Electricity Operational Costs<\/b><\/p>\n With PLN’s net-metering system, solar power plant owners can sell excess energy back to the PLN grid, so that electricity bills can be reduced by up to 50\u201370%.<\/span><\/p>\n Increase Asset Value and Corporate Image<\/b><\/p>\n Buildings or factories that use clean energy have a higher selling value and support the achievement of ESG (Environmental, Social, and Governance) targets.<\/span><\/p>\n Energy Independence in the Future<\/b><\/p>\n With electricity prices continuing to rise, solar power plants are a long-term investment that protects businesses from energy fluctuations.<\/span><\/p>\n <\/p>\n However, like any other important asset, solar power plants require planned and structured risk management.<\/span><\/p>\n <\/p>\n Rooftop solar power plants consist of various components such as solar panels, inverters, DC\/AC cables, mounting structures, lightning protection, and digital monitoring systems.<\/span><\/p>\n Each has its own potential risks. Here’s the classification:<\/span><\/p>\n Animal disturbances (birds, rats) that damage cables.<\/span><\/p>\n All these risks cannot be completely eliminated, but they can be managed and partially transferred through insurance.<\/span><\/p>\n <\/p>\n Solar power plant risk management includes three main stages: identification, mitigation, and risk transfer.<\/span><\/p>\n Conducting a hazard analysis from the planning stage:<\/span><\/p>\n Brokers such as L&G Insurance Broker help prepare risk assessment reports as a basis for determining insurance coverage.<\/span><\/p>\n Preventive steps to reduce potential losses:<\/span><\/p>\n If the risk cannot be avoided, it must be transferred to an insurance company.<\/span><\/p>\n This is where the broker’s role becomes vital to ensure all relevant risks are covered under the policy.<\/span><\/p>\n <\/p>\n With this combination, solar power plant assets are comprehensively protected from the beginning to the end of their economic life.<\/span><\/p>\n <\/p>\n A broker’s role extends beyond finding low premiums. Brokers like PT Liberty and General Insurance Broker (L&G) act as independent risk advisors, working on behalf of their clients, not the insurance company.<\/span><\/p>\n The following are the stages carried out by L&G in the PLTS project:<\/span><\/p>\n <\/p>\n A textile factory in Bekasi installed a 1 MWp rooftop solar power plant with an investment of IDR 14 billion.<\/span><\/p>\n After six months of operation, a short circuit occurred due to a lightning strike that damaged the main inverter and some of the panels.<\/span><\/p>\n Luckily, the company had used the services of PT Liberty and General Insurance Broker (L&G).<\/span><\/p>\n L&G helped the client add the solar power plant endorsement to the plant’s Property All Risks policy before the system was operational.<\/span><\/p>\n The result:<\/b><\/p>\n This case proves that the right broker can save large investments through careful insurance planning.<\/span><\/p>\n <\/p>\n One efficient strategy is to incorporate solar power into an existing property insurance policy.<\/span><\/p>\n The steps are simple but have a big impact.<\/span><\/p>\n Stages:<\/span><\/p>\n Example:<\/span><\/p>\n “This policy also covers damage to solar power systems permanently installed on the roof of the insured building due to fire, lightning, flood, wind, or explosion.”<\/span><\/p>\n This way, owners don’t have to buy a new policy but still get comprehensive protection.<\/span><\/p>\n Steps to Take If a Claim Occurs<\/b><\/p>\n With the assistance of L&G Insurance Broker, the claims process is fast, accurate, and transparent.<\/span><\/p>\n <\/p>\n <\/p>\nWhy Rooftop Solar Power Plants Are Called the Energy Asset of the Future<\/span><\/h3>\n
Understanding the Risks of Rooftop Solar Power Plants Comprehensively<\/span><\/h3>\n
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Strategic Steps in Solar Power Plant Risk Management<\/span><\/h3>\n
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Types of Insurance for Rooftop Solar Power Plants at Each Project Stage<\/span><\/h3>\n
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\n Project Stages<\/b><\/td>\n Police Type<\/b><\/td>\n Guaranteed Risk<\/b><\/td>\n<\/tr>\n \n Design & Installation (EPC)<\/span><\/td>\n Construction\/Erection All Risks (CAR\/EAR)<\/span><\/td>\n Physical damage, negligence in installation, extreme weather<\/span><\/td>\n<\/tr>\n \n Operational<\/span><\/td>\n Property All Risks (PAR)<\/span><\/td>\n Fire, flood, lightning, storm, theft<\/span><\/td>\n<\/tr>\n \n Operational<\/span><\/td>\n Machinery Breakdown (MB)<\/span><\/td>\n Mechanical\/electronic damage to the inverter<\/span><\/td>\n<\/tr>\n \n Operational<\/span><\/td>\n Business Interruption (BI)<\/span><\/td>\n Loss of income due to downtime<\/span><\/td>\n<\/tr>\n \n Operational<\/span><\/td>\n Public Liability<\/span><\/td>\n Legal liability towards third parties<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n How Can Insurance Brokers Help Manage Solar Power Plant Risks?<\/span><\/h3>\n
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Real Case Example: Solar Power Plant in Bekasi Industrial Area<\/span><\/h3>\n
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Combining Solar Power Plant Insurance with Existing Property Policies<\/span><\/h3>\n
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Practical Tips for Managing Solar Power Plant Risks<\/span><\/h3>\n
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