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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple style='word-wrap:break-word'><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt'>Dave<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt'> You have it, you won’t need it. You do not have it you will. In my previous life I had errors and omissions insurance. Shop it, you may be able to get better rates and coverages. I now just have a whopper of a GL policy and there have been a time or two where I get a call to fix another companies problems where I let the customer know the challenges and a time or two turned down the business due to the system being such a mess or I am not “certified “to service that gear ( Generac )<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt'>Peter Giroux<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt'>ASAE <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt'><o:p> </o:p></span></p><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> RE-wrenches <re-wrenches-bounces@lists.re-wrenches.org> <b>On Behalf Of </b>Dave Tedeyan via RE-wrenches<br><b>Sent:</b> Sunday, March 10, 2024 6:23 PM<br><b>To:</b> RE-wrenches <re-wrenches@lists.re-wrenches.org><br><b>Cc:</b> Dave Tedeyan <dave@sungineersolar.com><br><b>Subject:</b> [RE-wrenches] Insurance for solar design and inspections<o:p></o:p></span></p></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal>Hi All, <o:p></o:p></p><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>I have an insurance question and am very curious about how others deal with this, or don't. People will sometimes ask us to either do some design work for a system that we will not be installing, or to inspect a system and give my professional opinion about it. These are two separate work situations. <o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>Recently, our insurance agent brought it to our attention that we should have insurance specifically for these kinds of work, and it is not something that is covered under our general liability (contractors) insurance. <o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>Their recommendation for design work is to get "professional liability" (errors and omissions) insurance. Even though I may do one or two designs a year, we are looking at a roughly $12,000 policy. This would be meant to cover us if I make a mistake in the design that leads to some sort of failure or fire.<o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>Their recommendation for the inspection type work is to get essentially a home inspector insurance policy for about $2400 per year. Again, this is something that we do a handful of times per year. This insurance is meant to cover us if I inspect a system and miss something that then ends up being a problem or a hazard. <o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>With a brief conversation with a lawyer acquaintance, he thought that I may be fine with out these insurances. It sounded like I should have something in my service contracts that would essentially say something like "we will do this work to the best of our ability", and then if something does go wrong and the homeowner takes us to court, it is upon them to prove that we missed something that a reasonable person would have caught. My business manager does not like this because we could still have lots of lawyer fees and have to show up in court if we were to get sued, even if the problem was not caused by a lack of diligence on our part.<o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>So my question to all of you is, do you have these insurances? Or do you just not do designs and inspections unless you are actually turning some wrenches on the site so that your general liability insurance covers your work? Or, is this a case of our insurance agent putting ungrounded fears in our head?<o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>Thanks for your thoughts.<o:p></o:p></p></div><div><p class=MsoNormal>Cheers,<o:p></o:p></p></div><div><p class=MsoNormal>Dave<o:p></o:p></p></div><div><div><p class=MsoNormal><o:p> </o:p></p></div><p class=MsoNormal><span class=gmailsignatureprefix>-- </span><o:p></o:p></p><div><div><div><div><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=525 style='width:393.75pt;border-collapse:collapse'><tr><td width=125 rowspan=2 valign=top style='width:93.75pt;border:none;border-right:solid #ECBD00 1.0pt;padding:0in 7.5pt 0in 0in'><p class=MsoNormal><a href="https://www.sungineersolar.com/" target="_blank"><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#337AB7;border:solid windowtext 1.0pt;padding:0in;text-decoration:none'><img border=0 width=105 height=105 style='width:1.0937in;height:1.0937in' id="Picture_x0020_1" src="cid:~WRD0000.jpg" alt="Image removed by sender. Logo"></span></a><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#444444'><o:p></o:p></span></p></td><td style='padding:0in 0in 0in 7.5pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse;border-spacing:0px'><tr><td width=400 valign=top style='width:300.0pt;padding:0in 0in 3.75pt 7.5pt'><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Arial",sans-serif;color:#ECBD00'>Dave Tedeyan, P.E.<br>Owner | Sungineer Solar</span></b><span style='font-family:"Arial",sans-serif'><o:p></o:p></span></p></td></tr><tr><td valign=top style='padding:3.75pt 0in 3.75pt 7.5pt'><p class=MsoNormal style='line-height:12.75pt'><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#ECBD00'>p: </span></b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:black'>he | him | his</span><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#ECBD00'><br>a: </span></b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:black'>1653 Slaterville Rd.</span><span style='font-size:10.0pt;font-family:"Arial",sans-serif'> <span style='color:black'>| Ithaca, NY 14850</span><br><b><span style='color:#ECBD00'>w:</span></b><a href="http://www.sungineersolar.com/" target="_blank"><span style='color:black'> www.sungineersolar.com</span></a><br><b><span style='color:#ECBD00'>c:</span></b><span style='color:black'> (607) 270-0370</span><o:p></o:p></span></p></td></tr></table></td></tr><tr><td style='padding:0in 0in 0in 0in'></td></tr></table><p class=MsoNormal><o:p> </o:p></p></div></div></div></div></div></div></div></body></html>