Utility Insurance for Grid Tie? [RE-wrenches]

[Bill Brooks]

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Travis and Bill,

The insurance provision below is fairly standard throughout the United
States. The intent is that existing homeowner's insurance policies would
suffice without any additional insurance (that is why it mentions existing
insurance). The key problem in the past has been the requirement for the
utility company to be listed as an additional insured. That is very
problematic for most standard homeowner insurance policies. However, it is
standard procedure for commercial policies that would cover commercial
generators.

I really need to know if this is a problem in Missouri. I am doing a seminar
on net metering and interconnection issues for Missouri at the end of March,
so I need to be up on any difficult issues. This does not seem like a real
problem, so I need to know more about this situation. Travis, you can
contact me off list.

What I want to nip in the bud is miscommunication about onerous utility
requirements. Having spent a major portion of my carrier clearing the way
for PV system in interconnection requirements, I've seen my share of
obfiscatory rule making. However, I have also seen the solar industry cry
foul over non-issues. We must choose our battles wisely.

Bill.


-----Original Message-----
From: bill roush [mailto:billroush at gmail.com] 
Sent: Tuesday, December 20, 2005 8:27 AM
To: RE-wrenches at topica.com
Subject: Re: Utility Insurance for Grid Tie? [RE-wrenches]


Travis,
You can thank your Missouri legislature for that one. I don't think they
checked around to see if anyone would write that kind of policy before they
wrote the requirement into law. In fact, that is their whole point, to make
interconnection so burdensome that no one will do it. Seriously, call your
state rep and ask where you get one of these policies, I am sure they know
every insurance agent in their district. Bill Roush

On 12/19/05, Travis Creswell, Ozark Solar <ozsolar at ipa.net> wrote:
>
> Hello All,
>
> We've been working closely with a customers' utility for about 6 
> months and they've been good to work with until lately.  They met me 
> on the site with just a few hours notice and immediately approved the 
> line diagrams we submitted. But they've just thrown a monkey wrench in 
> the works.
>
> They want the following insurance;
>
> (4) Customer-Generator Liability Insurance
> Obligation.
> (A) The customer-generator shall carry no
> less than one hundred thousand dollars
> ($100,000) of liability insurance that provides
> for coverage of all risk of liability for personal
> injuries (including death) and damage to
> property arising out of or caused by the operation
> of the net metering unit. Insurance may
> be in the form of an existing policy or an
> endorsement on an existing policy.
>
>
> I'm told this is pretty minor in comparison to some states but the 
> customer and I are having a hard time finding anyone who will write 
> this policy or rider.  Their existing carrier won't do it and has no 
> suggestions for who can.
>
> I'd appreciate any referrals for companies that write this type of 
> insurance.  We done grid tie installations all over the state but this 
> is the first time we've faced this.
>
> Best,
> Travis Creswell
> Ozark Energy Services
>
>


--
Best,
Bill Roush
billroush at gmail.com
816-868-9695

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