Commercial real estate owners are discovering that insurance for renewable energy isn’t just a necessary evil — it’s becoming a strategic tool for optimizing performance and unlocking additional ROI. In his conversation with Isaac McLean, Chief Underwriting Officer at kWh Analytics, Sean explores how data-driven insurance is transforming asset management for solar and battery installations. Isaac shares a striking example of how one client cut their deductible in half simply by implementing proper hail stow protocols, creating immediate financial benefit from operational improvements.

Recorded at Asset Management North America in San Diego, this episode dives into the evolving landscape of risk management for commercial properties with renewable energy assets. Isaac highlights the surprising ways battery storage is moving beyond backup power to become revenue-generating opportunities during peak demand hours, while simultaneously qualifying for valuable tax incentives through the Inflation Reduction Act. 

Topics discussed:

• How insurance carriers are transforming from passive risk absorbers to active partners in asset performance through data-informed incentives that reward resilient design choices and proactive maintenance.
• The strategic opportunity for commercial property owners to monetize battery storage systems by charging during off-peak hours and selling back to the grid during evening demand spikes, creating dual revenue streams alongside tax benefits.
• Why emergency response planning remains dangerously overlooked, evidenced by real cases where firefighters delayed addressing solar fires due to uncertainty about electrocution risks during water application.
• How hardware selection criteria differs between insurance underwriters and asset owners, with insurers preferring tried-and-tested panels with thicker glass against impact versus lighter, cheaper alternatives with thinner materials.
• The emergence of specialized insurance tools like KWH Analytics’ hail risk assessment form that systematically evaluates weather protocols and stow procedures to quantify resilience and adjust policy terms accordingly.
• The evolving methodology for differentiating risk profiles between installation types (rooftop, carport, ground-mount), with specific underwriting considerations for permanence of mounting systems, elevation factors, and protection against vehicle strikes.
• Why vegetation management, debris clearance, and connector inspections rank among the highest-impact maintenance practices for reducing premiums and preventing thermal events (fires), which represent the second largest loss category after natural catastrophes.
• Strategic approaches to spare parts inventory planning that balance immediate risk reduction with long-term flexibility for aging assets, including considerations for secondary markets and engineering resiliency plans.
• How thermal runaway risks in battery storage systems require specialized monitoring protocols and emergency response planning that differs substantially from traditional solar-only installations.
• Future predictions for commercial real estate sustainability, including longer-lasting roofing materials protected by overhead solar panels, widespread integration of charging infrastructure, and increasing utilization of IRA tax credit transferability options.