{"id":9841,"date":"2026-04-24T16:23:41","date_gmt":"2026-04-24T09:23:41","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9841"},"modified":"2026-04-24T16:23:41","modified_gmt":"2026-04-24T09:23:41","slug":"daya-plts-atap-naik-10-kali-lipat-dan-risiko-yang-wajib-anda-ketahui","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/daya-plts-atap-naik-10-kali-lipat-dan-risiko-yang-wajib-anda-ketahui\/","title":{"rendered":"Rooftop Solar Power Increases Tenfold and the Risks You Should Know"},"content":{"rendered":"

The trend of clean energy use in Indonesia is experiencing a dramatic surge. The installed capacity of rooftop solar power plants is predicted to increase tenfold. This aligns with the government’s ambition to accelerate the national energy transition. While providing significant electricity cost savings, these massive-scale installations present complex technical challenges. Risks such as electrical system fires and structural damage pose a real threat to business owners.<\/span><\/p>\n

Therefore, L&G Insurance Broker is here as a highly experienced risk management partner. We help you get the best premium rates through in-depth risk audits. Furthermore, we also provide recommendations for coverage extensions such as Erection All Risk Insurance and Rooftop Solar Power Plant Property Insurance. Given the significant value of your green investment, having a robust financial cushion is crucial to ensure stable company operations. Get a Premium Simulation Now for your risk audit with L&G Insurance Broker experts. Contact us on WhatsApp at <\/span>0811-8507-773<\/b><\/a> or email to <\/span>halo@lngrisk.co.id<\/b><\/a><\/p>\n

Key Takeaway:\u00a0<\/b><\/p>\n

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  1. Capacity Increase: The government has removed the 15% capacity limit so that the power of rooftop solar power plants can increase sharply.<\/span><\/li>\n
  2. Technical Threats: Larger installations mean higher structural loads and risk of cable fires.<\/span><\/li>\n
  3. Layered Protection: A combination of insurance during installation and insurance during operation is required.<\/span><\/li>\n
  4. L&G’s Role: As an experienced broker, L&G ensures your large claims are handled with strong advocacy.<\/span><\/li>\n
  5. Cost Efficiency: Brokers help negotiate cheaper premiums with much broader coverage.<\/span><\/li>\n<\/ol>\n

    Indonesia’s Rooftop Solar Power Capacity Increases in Accordance with New Policy<\/b><\/h4>\n

    According to reports from national economic media outlets such as Katadata and Kontan, the solar energy industry is at a turning point. The government, through the Minister of Energy and Mineral Resources Regulation No. 2 of 2024, has implemented major revisions. One key point is the removal of the capacity limit for rooftop solar power systems. Previously, capacity was limited to 15% of PLN’s connected capacity. However, building owners can now install solar panels according to their needs.<\/span><\/p>\n

    As a result, many industries are beginning to plan large-scale installations. This power increase is expected to reach tenfold compared to previous years. While this is good news for environmental sustainability, businesses should not overlook safety factors. The larger the installed panel area, the greater the risk management responsibilities.<\/span><\/p>\n

    Technical Hazards in Large-Scale Solar Panel Installations<\/b><\/h3>\n

    Installing large numbers of solar panels on factory or building roofs is not without risks. The static load on the building structure will increase significantly. If technical calculations are inaccurate, the roof could suffer structural damage or even collapse. Furthermore, electrical systems that transmit large amounts of power are highly susceptible to overheating.<\/span><\/p>\n

    Electrical short circuits in inverter cables are often the primary trigger for major fires. If an incident occurs, the losses extend beyond solar panel damage. The fire can spread throughout the building, damaging inventory and production machinery below. Therefore, insurance coverage must be designed to cover the entire risk chain.<\/span><\/p>\n

    The Importance of Erection All Risk Insurance During Installation<\/b><\/h3>\n

    The installation phase is the most critical period for any renewable energy project. During the assembly process, solar panels are highly vulnerable to physical damage. Panels can break during lifting onto the roof or be damaged by worker negligence. This is where Erection All Risk Insurance acts as a key financial safety net.<\/span><\/p>\n

    This insurance policy covers all physical damage that occurs suddenly during construction. In addition to protecting panel materials, it also covers work equipment and legal liability to third parties. L&G Insurance Brokers thoroughly understand the technical details involved in drafting this policy. We ensure that the insurance coverage covers the testing and commissioning period. This is crucial to ensure the system operates safely before being fully handed over to the owner.<\/span><\/p>\n

    Given the technical complexity involved, every project developer must have a well-developed risk management strategy. You certainly don’t want to lose billions of rupiah in investment due to a minor installation error. Therefore, working with a professional insurance broker is a smart move. We’ll work with you to ensure all risk gaps are properly addressed.<\/span><\/p>\n

    Long-Term Asset Protection with Rooftop Solar Power Plant Property Insurance<\/b><\/h3>\n

    Once the installation period is complete, the risks don’t disappear. Solar panels will continue to be exposed to extreme weather conditions such as strong winds, lightning, and flooding. Therefore, comprehensive Rooftop Solar Property Insurance is essential. This insurance will protect your assets throughout their operational life, which typically lasts up to 20 years.<\/span><\/p>\n

    Some of the main points covered under property insurance include:<\/span><\/p>\n

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    1. Fire and Lightning: Protects assets from direct lightning strikes and electrical induction.<\/span><\/li>\n
    2. Natural Disasters: Provides compensation if panels are damaged by storms or earthquakes.<\/span><\/li>\n
    3. Accidental Damage: Covers other unforeseen physical damage.<\/span><\/li>\n
    4. Lost Profit: Covers potential revenue losses if the system stops operating due to physical damage.<\/span><\/li>\n<\/ol>\n

      Risk Management Recommendations for Sustainable Green Investments<\/b><\/h4>\n

      L&G Insurance Broker provides several specific risk recommendations for industry players. This list aims to ensure your protection is truly maximized:<\/span><\/p>\n