Solar insurance in Brazil
The manufacturer's warranty covers manufacturing defects only. Fire, lightning, windstorm, hail, theft and power surges need insurance. Silizium partners with Ombrello Solar, the solar line of the Brazilian broker Ombrello Seguros, to cover every phase of a project — from the contract to years of operation.
One cover for each phase of the project
The engineering-risk policy and the performance bond belong to the installer (the job and the contract are theirs); the equipment policy belongs to the system owner, who usually buys it together with the installation.
Performance bond
Guarantees the client that the job will be delivered on time and fully to scope. The insurer acts as guarantor and compensates the client if the contract is not fulfilled.
- Required in public tenders and by many private companies
- Cheaper and simpler than a cash deposit or bank guarantee
- Quoted for each contract
Engineering risk
Covers the photovoltaic plant during installation and assembly — from the kit arriving on the roof until the system is switched on.
- Fire, lightning, windstorm, hail, flooding
- Theft, lifting and falls
- Optional: third-party and employer liability, loss of profits, debris removal
- Per job, or an annual policy with monthly inclusion of jobs
Equipment damage (RD)
Once installed, protects modules, inverters and the rest of the kit against external events — what the manufacturer's warranty does not cover.
- Fire, explosion, lightning, windstorm, hail, hurricane and cyclone
- Flooding and stray bullets
- Theft and electrical damage
- Windstorm liability and extraordinary expenses
EV chargers
Equipment cover for wallboxes and charging stations, at home or in a business.
- Fire, lightning and explosion
- Theft
- Electrical damage
- Salvage and containment expenses
Property
For installers and distributors that keep panels and inverters in a warehouse: protects the stock and the building, with a tailored policy.
- Stock of modules and equipment
- The warehouse structure
- Tailored advice
People and benefits
For the crew that climbs the roof: personal accident, life, health and dental plans.
- Personal accident
- Life insurance
- Health and dental plans
Manufacturer's warranty vs equipment insurance
What each one pays for after the system is running.
| Event | Manufacturer's warranty | RD insurance |
|---|---|---|
| Manufacturing defects | — | |
| Fire | — | |
| Explosion | — | |
| Lightning strike | — | |
| Windstorm | — | |
| Hail | — | |
| Hurricane and cyclone | — | |
| Flooding (optional, up to 40% of the value at risk) | — | |
| Theft | — | |
| Electrical damage (limited to 30% of the project value) | — | |
| Stray bullets | — | |
| Windstorm liability (50%, up to R$ 25,000) | — | |
| Extraordinary expenses (optional) | — | |
| Loss of profits (optional, 10% of the value at risk, up to R$ 40,000) | — |
Deductibles of the equipment policy
For the basic cover and electrical damage, the deductible is 10% of the indemnifiable loss, with a minimum that depends on the project size.
| Project value | Minimum deductible |
|---|---|
| Up to R$ 100,000 | R$ 1,300 |
| Up to R$ 1 million | R$ 3,000 |
| Up to R$ 2 million | R$ 15,000 |
| Up to R$ 6 million | R$ 25,000 |
Liability: 15% of the loss, minimum R$ 2,000. Extraordinary expenses: 10 days. Final terms are set in the insurer's proposal and policy.
How to get a quote
Ombrello Solar handles quotes, policies and claims in Portuguese. Send the system size (kWp), the project value, the city and the equipment list; the Brazilian page builds this message for you from a Silizium project.
- WhatsApp: +55 21 99994-9991
- Email: solar@ombrelloseguros.com.br
- Website: ombrelloseguros.com.br
Silizium is neither an insurer nor an insurance broker: this page presents the solutions of Ombrello Solar, a line of Ombrello Seguros, and forwards quote requests to it. Coverages, limits and deductibles follow the material published by Ombrello; acceptance of the risk, price and general conditions are set in the proposal and in the policy issued by the insurer.
Frequently asked questions
Does the manufacturer's warranty cover lightning or theft?
No. The manufacturer's warranty covers manufacturing defects only. Fire, lightning, windstorm, hail, theft and electrical damage are covered by equipment insurance (RD).
Which insurance applies in each phase of a solar project?
At the contract, the performance bond (when the client requires a guarantee). During installation, engineering risk, which protects the kit and the job. After switch-on, equipment damage (RD), which follows the owner through operation.
Do I need a policy for every installation?
No. Engineering risk can be bought per job or as an annual policy that covers all installations, with the jobs of each month added to it.
Is Silizium the insurer?
No. Silizium prepares the quote request and sends it to Ombrello Seguros, a broker specialised in special risks. Proposal, policy, conditions and claims are handled by Ombrello and the insurer.