Why Renewable Energy Professionals Need Specialist Insurance Advice

The renewable energy sector has experienced unprecedented growth in recent years, with offshore wind farms, solar installations, and other green energy projects creating thousands of specialist jobs across the UK. However, many professionals working in this vital industry face unique challenges when seeking life insurance, critical illness cover, or income protection.

The Challenge: High-Risk Classification

Workers in the renewable energy sector often find themselves classified as "high-risk" by traditional insurance providers. This classification typically applies to:

Offshore Wind Technicians - Working at significant heights on turbines, often in challenging weather conditions and remote offshore locations.

Solar Panel Installers - Regular work at height on rooftops and large-scale installations, with associated risks of falls and electrical hazards.

Subsea Cable Installation Teams - Commercial diving and ROV operations for underwater cable laying and maintenance work.

Maintenance Engineers - Accessing and servicing equipment in challenging environments, from offshore platforms to remote onshore sites.

Construction Workers - Building renewable energy infrastructure often involves heavy machinery, heights, and complex technical installations.

Understanding the Insurance Impact

This high-risk classification often results in:

• Premium Loading - Additional charges that can significantly increase insurance costs

• Exclusions - Certain activities or work-related incidents being excluded from coverage

• Declined Applications - Some insurers simply refuse to provide cover for certain renewable energy roles

• Limited Options - Fewer insurance products available, reducing choice and potentially increasing costs

The Specialist Insurance Solution

Specialist insurance brokers with industry knowledge understand that renewable energy work, while carrying inherent risks, is conducted by highly trained professionals following strict safety protocols. This understanding allows them to:

Secure Standard Rates - Arrange coverage at standard premiums despite the perceived high-risk nature of the work.

Comprehensive Coverage - Ensure policies cover work-related activities that might otherwise be excluded.

Industry Expertise - Provide advice based on deep understanding of renewable energy sector risks and safety standards.

Tailored Solutions - Develop insurance packages that reflect the actual risk profile of modern renewable energy work.

Types of Coverage Essential for Renewable Energy Workers

Life Insurance - Provides financial security for families, especially important given the physical nature of much renewable energy work.

Critical Illness Insurance - Covers serious health conditions that could prevent return to physically demanding roles.

Income Protection Insurance - Replaces lost income if injury or illness prevents working, crucial for specialists whose skills may not transfer easily to desk-based roles.

Making the Right Choice

When selecting insurance as a renewable energy professional, consider:

• Disclosure - Always be completely honest about your role and working conditions

• Specialist Advice - Seek brokers with specific experience in your industry sector

• Regular Reviews - Ensure coverage remains appropriate as your career develops

• Union Benefits - Check if your union offers approved insurance specialists

The renewable energy sector plays a crucial role in the UK's sustainable future. Ensuring the professionals who build and maintain this infrastructure have appropriate insurance protection is essential for both individual financial security and industry stability.

For renewable energy workers seeking specialist insurance advice, working with brokers who understand your industry can make the difference between affordable, comprehensive coverage and expensive, limited protection.

If you work in Renewables and need help with Insurance, Income protection or critical illness cover please get in touch with us today by calling 01832 734047 or emailing admin@candd.uk.com