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The Indonesian government is taking firm steps towards a clean energy transition.<\/span><\/p>\n One of the main pillars is Solar Power Plants (PLTS), especially the rooftop PLTS type which is now growing rapidly in the residential, commercial and industrial sectors.<\/span><\/p>\n Through the National One Million Solar Rooftops Movement policy, the Ministry of Energy and Mineral Resources is targeting a significant increase in solar energy capacity to support Net Zero Emissions (NZE) 2060.<\/span><\/p>\n This program is in line with the world’s commitment to reducing carbon emissions and sustainable development.<\/span><\/p>\n But behind this enthusiasm lies a major challenge: how to ensure that solar power plants continue to operate stably and efficiently throughout the project’s lifespan?<\/span><\/p>\n One answer is with proper and planned insurance protection.<\/span><\/p>\n In this context, PT Liberty and General Insurance Broker (L&G) plays a vital role as a strategic partner in maintaining the operational sustainability of solar power plants through comprehensive risk management and insurance solutions.<\/span><\/p>\n <\/p>\n Solar power plants are energy systems that require large initial investments and have an economic lifespan of between 20 and 25 years.<\/span><\/p>\n Optimal system performance depends heavily on continuous operation \u2014 even minor disruptions can reduce efficiency and extend the payback period.<\/span><\/p>\n Here are the main reasons why operational sustainability is key:<\/span><\/p>\n Every hour of downtime means lost potential electricity production and financial gain.<\/span><\/p>\n Operational disruptions have a direct impact on return on investment (ROI).<\/span><\/p>\n If many solar power projects fail to operate stably, investor and user confidence will decline.<\/span><\/p>\n Operational sustainability is a key part of ESG commitments that are now a global industry standard.<\/span><\/p>\n Therefore, insurance becomes an integral part of the PLTS sustainability system.<\/span><\/p>\n <\/p>\n Rooftop solar power plants face not only physical risks such as weather or equipment failure, but also financial and legal risks. The classifications are as follows:<\/span><\/p>\n Damage to third parties due to system errors (for example, a short circuit that causes a fire in a neighboring building).<\/span><\/p>\n How Insurance Ensures Operational Continuity<\/span><\/p>\n Insurance is not just about replacing losses, but is a strategic risk management tool that keeps businesses running even when disaster strikes.<\/span><\/p>\n Here is the mechanism by which insurance supports the sustainability of PLTS:<\/span><\/p>\n If damage occurs to the panel or inverter, insurance will cover the costs of replacement and repair.<\/span><\/p>\n This ensures the system can be quickly operational again without burdening the owner’s finances.<\/span><\/p>\n With the addition of a Business Interruption (BI) policy, owners can claim for lost income due to the temporary shutdown of their solar power plant.<\/span><\/p>\n If the solar power plant causes damage to someone else’s property or causes injury, the Public Liability policy will cover the legal liability.<\/span><\/p>\n Insured solar power plants demonstrate professionalism and readiness to face risks, thereby increasing the confidence of investors, banks, and stakeholders.<\/span><\/p>\n <\/p>\n <\/p>\n Insurance brokers are not just a liaison between clients and insurance companies, but independent risk advisors who work entirely in the interests of clients.<\/span><\/p>\n For example, PT Liberty and General Insurance Broker (L&G) plays an active role in:<\/span><\/p>\n <\/p>\n An electronic components factory in Cikarang installed a rooftop solar power plant with a capacity of 800 kWp with an investment of IDR 9 billion.<\/span><\/p>\n After nine months of operation, a lightning strike damaged the inverter and 30 solar panels. Total losses were estimated at Rp 750 million.<\/span><\/p>\n Because the factory had previously appointed PT Liberty and General Insurance Broker (L&G) to prepare an integrated solar power plant insurance program, the claims handling process was fast.<\/span><\/p>\n Handling Steps:<\/span><\/p>\n As a result, the solar power plant returned to normal operation without any additional costs \u2014 ensuring the continuity of factory production and the stability of energy costs.<\/span><\/p>\n <\/p>\n The sustainability of a solar power plant is not only determined by the insurance policy, but also by discipline in maintaining the system.<\/span><\/p>\n The combination of the two creates comprehensive protection.<\/span><\/p>\n Recommended preventive measures:<\/span><\/p>\n Brokers like L&G also typically provide a solar power plant maintenance checklist to help clients maintain their insurance coverage eligibility.<\/span><\/p>\n <\/p>\n For home, office, or factory owners who already have property insurance, solar power plants can be included as an extension of the guarantee (endorsement).<\/span><\/p>\n Example clause:<\/span><\/p>\n \u201cThis policy also covers physical damage to the PLTS system (solar panels, inverters, and supporting systems) permanently installed in the insured building due to fire, lightning, flood, explosion, or storm.\u201d<\/span><\/p>\n This way, coverage is consolidated without the need to create a new policy, and premium costs become more efficient.<\/span><\/p>\n <\/p>\n <\/p>\n As an experienced national insurance broker in the energy and infrastructure sector, L&G has assisted various solar power plant projects, ranging from industrial to commercial scale.residential.<\/span><\/p>\n L&G Advantages:<\/b><\/p>\nWhy Solar Power Plant Operational Sustainability is So Important<\/span><\/h3>\n
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Risks that Threaten the Sustainability of Solar Power Plant Operations<\/span><\/h3>\n
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Recommended Policy Types for Solar Power Plant Operations<\/span><\/h3>\n
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\n Police Type<\/b><\/td>\n Function<\/b><\/td>\n Main Coverage<\/b><\/td>\n<\/tr>\n \n Property All Risks (PAR)<\/span><\/td>\n Physical protection of PLTS<\/span><\/td>\n Fire, lightning, flood, wind, explosion, theft<\/span><\/td>\n<\/tr>\n \n Machinery Breakdown (MB)<\/span><\/td>\n Technical damage to the inverter and system<\/span><\/td>\n Mechanical damage, short circuit, overheating<\/span><\/td>\n<\/tr>\n \n Business Interruption (BI)<\/span><\/td>\n Covering financial losses due to downtime<\/span><\/td>\n Loss of revenue, fixed operating costs<\/span><\/td>\n<\/tr>\n \n Public Liability<\/span><\/td>\n Legal responsibility<\/span><\/td>\n Third party losses due to the solar power system<\/span><\/td>\n<\/tr>\n \n Cyber Liability (optional)<\/span><\/td>\n Digital risk (PLTS monitoring system)<\/span><\/td>\n Data disruption, hacking, or sabotage of digital systems<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n The Strategic Role of Insurance Brokers in Ensuring Sustainability<\/span><\/h3>\n
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Case Study: An Insurance Claim That Saved a Solar Power Plant’s Operation<\/span><\/h3>\n
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The Ideal Combination: Insurance + Preventive Maintenance<\/span><\/h3>\n
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Integration of Solar Power Plants into Existing Property Policies<\/span><\/h3>\n
Benefits of Insurance in the National Solar Power Ecosystem<\/span><\/h3>\n
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The Role of PT Liberty and General Insurance Broker (L&G) in the Solar Power Plant Ecosystem<\/span><\/h3>\n
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