Wind Turbine Technician Insurance: Cost & Quotes From $27/mo

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Wind turbine technicians are exposed to countless hazards that result in severe injuries and even fatalities. Most of the incidents include crushing injuries, falls, or severe burns.

Given the high-risk nature of working with wind turbines, you need to shield yourself and your business from a catastrophic event. The right wind turbine technician insurance coverage cushions your business from financial collapse in case of unforeseen liabilities or circumstances. This article discusses the indispensable policies you need. 

General Liability Insurance for Wind Turbine Technicians

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included


General liability insurance is one of wind turbine technicians’ most critical insurance policies. This coverage, also called commercial general liability insurance, covers any claims of property damage or bodily injury against your business. 


Which Claims Does This Insurance Policy Cover?

  • Bodily injury–If a visitor, vendor, customer, or third party gets hurt on your premises

  • Property damage–When conducting business operations, you may damage a client’s property, such as their laptop. This coverage will pay for replacement or repair expenses

  • Reputational harm–A third-party may sue your business for slander or libel due to some defamatory information you or your employees uttered. This coverage will pay for legal costs incurred to defend your business

  •  Advertising injury–You may commit copyright infringement even without knowing. For instance, you can use a competitor’s post in your ads

Add-Ons to General Liability Coverage for Wind Turbine Technicians

  • Umbrella liability insurance–You can add this coverage as an endorsement to your general liability insurance. It offers extra coverage in a high-value claim against your business

  • Environmental liability coverage–If you work in environmentally sensitive areas, you can consider this add-on, as it covers pollution-related damages or claims

Coverage Limits of General Liability Coverage for Wind Turbine Technicians

The needs of every business are unique. Thus, it would be best to have a sufficient coverage limit to cover your exposed risks. Insurers offer a limit of $1,000,000 for each occurrence and $2,000,000 as the aggregate limit for the active policy term.


Professional Liability Insurance for Wind Turbine Technicians

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No


This insurance is also known as wind turbine technician errors and omissions insurance. It covers claims associated with acts of omission, error, or negligence when offering your professional services. Even though you are an expert in the wind turbine field, mistakes are inevitable.


What Incidents Are Covered by Professional Liability Insurance?

  • Negligence when offering your services

  • Misleading information that leads to damage to your customers

  • Inaccurate advice that leads to damages, either physical or financial

  • Violating the terms of a contract that leads to losses for your customer

Add-Ons to Professional Liability Insurance for Wind Turbine Technicians

  • Media liability coverage–If you engage in various marketing activities such as content creation, this add-on can protect your business against claims of defamation or copyright infringement

  • Third-party liability coverage–This add-on will cover professional errors or omissions brought against by vendors, subcontractors, or other third parties

Coverage Limits for Professional Liability Insurance for Wind Turbine Technicians

Your exposed risks and the size of your wind turbine business will determine the appropriate coverage. But in most cases, an insurance provider will offer a limit of $100,000 to $1,000,000. The amount will pay for the settlement, legal, and judgment costs.

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Commercial Property Insurance for Wind Turbine Technicians

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
Building coverage limit (minimum) $50,000 $330,000 $25,000/$500,000 $60,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $60,000 $15,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


Commercial property insurance shields the physical assets of your wind turbine business from vandalism, storms, and fire, among other events. The insurance provider determines the coverage based on replacement costs and the cash value of your physical assets. This insurance is crucial and will guarantee your company’s survival even after catastrophic events.


What Are the Common Add-Ons to Commercial Property Insurance for Wind Turbine Technicians?

  • Equipment breakdown coverage–This add-on will cover the cost of repairs if your equipment breaks down due to electrical or mechanical problems

  • Extra expense coverage–If a covered loss causes temporary relocation of your business or more expenses, it will reimburse the costs incurred

Coverage Limits for Commercial Property Insurance for Wind Turbine Technicians

An insurance provider can pay you from $500,000 to $1,000,000, but the figures can be higher or lower. The fluctuations in figures depend on the value of your physical assets and the damages incurred.


An image of wind turbines.


Business Owner’s Policy for Wind Turbine Technicians

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $330,000 $25,000/$500,000 $75,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A business owner’s policy is an integration of two or more policies. Typically, it is a cheaper and more comprehensive option for wind turbine technicians. It combines:

  • General liability insurance

  • Commercial property insurance

  • Business interruption insurance

BOP covers numerous unforeseen claims made by third parties, such as customers or visitors. Ideally, it covers property damages, advertising claims, personal injuries, damages to your commercial premises, and lost income.


Add-Ons to BOP for Wind Turbine Technicians

  • Employment practices liability insurance–Protects you from claims made by your current or former employees relating to employment practices such as harassment or wrongful termination

  • Flood insurance–This can be used to enhance the property coverage of your BOP. Flood insurance covers properties that got damaged or destroyed by floods due to excessive rains, coastal surges, and other related events

What Are the Coverage Limits of BOP for Wind Turbine Technicians?

You can be paid $500,000 to $2 million for general liability. For damages to your commercial property, you can receive compensation of $10,000 to $500,000.

Tools and Equipment Insurance for Wind Turbine Technicians

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


This insurance covers the tools and equipment you use in your wind turbine technician business. It covers perils such as vandalistic acts, theft, fire, storms, and more. Most insurance carriers will cover tools bought up to 5 years ago. It is important to note that this policy will not cover everyday wear and tear.


Which Incidents Will Tools and Equipment Insurance Help?

  • Theft

  • Vandalism

  • Accidental damage

  • Fire

What Are the Coverage Limits for Tools and Equipment Insurance for Wind Turbine Technicians?

The coverage limits can be from $5,000 to $50,000 for each item. But your insurer must evaluate the market value of your tools and equipment to come up with the appropriate coverage.


Commercial Auto Insurance for Wind Turbine Technicians  

Commercial vehicles such as vans and trucks are fundamental to running your business smoothly. But your cars may be involved in accidents resulting in expensive liabilities for your business. 

It is essential to cushion your business from negative financial consequences by having commercial auto insurance. Commercial auto insurance has several components, such as:

  • Auto liability coverage–Shields your business if your commercial vehicle is involved in an accident and causes either property damage or bodily injury

  • Collision coverage–This component reimburses the costs of repairing your vehicle after it hits or is hit by another car or object

  • Comprehensive coverage–This component primarily covers all non-collision incidents, such as vandalism or theft

  • Uninsured motorist coverage–If you are involved in an accident that is not insured, this coverage will settle all the damages

  • Underinsured motorist coverage–In other instances, you can be involved in an accident with a motorist who has insufficient coverage; this component will pay for all the related injuries

  • Medical payments coverage–This component will cover all your medical expenses if you are involved in an accident

Coverage Limits for Commercial Auto Insurance for Wind Turbine Technicians

For liability coverage, an insurer can pay an average of $500,000. While for collision coverage, most insurers will pay for 100% of the damages. But the limits depend on exclusions and deductibles on your policy.


Add-Ons for Commercial Auto Insurance for Wind Turbine Technicians

  • Rental reimbursement coverage–This add-on refunds you the cost of renting a vehicle if your commercial vehicle is not running due to a covered event

  • Inland marine coverage–This add-on covers equipment and tools you are transporting to an off-site working station or workshop

Workers’ Compensation Insurance for Wind Turbine Technicians

Most states in the USA require that each employer purchase workers’ compensation insurance. This policy covers your employees in the unfortunate incidents of occupational illnesses or accidents. Under this policy, your employees will receive:

  • Medical benefits

  • Rehabilitation benefits

  • Lost income benefits

  • Death benefits to the employee’s beneficiaries

Situations When Workers’ Compensation Insurance for Wind Turbine Technicians Can Help You

Your employees are often required to work at heights, and one of your technicians may fall while on the job. In the event of such an accident, this insurance will cover all hospital bills, lost income, and disability benefits.


Coverage Limits of Workers’ Compensation Insurance for Wind Turbine Technicians

In some states, there are statutory limits that determine how much employees can receive after a work-related accident. If the employee cannot work after an accident, they can receive compensation equal to two-thirds of their salary.

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Wind Turbine Technician Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $46 $552 $0-$500
Professional liability insurance $50 $600 $500-$1,000
Commercial property insurance $70 $840 $1,000-$2,000
Business owner’s policy $116 $1,392 $1,000-$2,000
Tools and equipment insurance $49 $588 $1,500
Commercial auto insurance $57 $684 $1,000-$2,000
Workers compensation insurance $55 $660 $2,000-$5,000


The average wind turbine technician insurance cost is $46 per month or $552 per year for a $1 million general liability coverage. Factors that affect the cost of premiums are claims history, business history, deductibles, location, and revenues. Here’s a table showing the cost of a $1 million general liability insurance from companies we recommend:

Cost per Month Cost per Year Best For
NEXT $30 $360 Best overall; Fastest general liability insurance for wind turbine technicians
CoverWallet $33 $396 Wind turbine technicians who want to compare insurance quotes from different providers online
The Hartford $36 $432 Wind turbine technicians exposed to unique risks requiring specialized cover
Tivly $37 $444 Comparing wind turbine technician insurance quotes over the phone
Thimble $39 $468 Wind turbine technicians who need coverage for short-term projects
Hiscox $42 $504 Wind turbine technicians who want worldwide coverage for their business

Compare Cheap Wind Turbine Technician Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Wind Turbine Technician Insurance Companies

Here is a list of the best wind turbine technician insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy. 


NEXT Wind Turbine Technician Insurance

Pros

  • They have an online platform where you can purchase a coverage quickly

  • Their customer support team is always ready to guide you when purchasing a policy or making claims.

  • You can access online proof of insurance immediately

  •  They offer excellent insurance rates for all customers.

Cons

  • Couldn’t find any

NEXT is an online insurance company offering small businesses the best deals. You can purchase general liability, tools, equipment, cyber liability, and commercial auto, among other business insurance products. With NEXT, you can obtain insurance quotes immediately after your application. If you buy more than two policies, this company is generous enough to offer you a 10% discount.

Best for: Best overall; Fastest general liability insurance for wind turbine technicians

Average cost: $30 per month

Our rating: 10/10


CoverWallet Wind Turbine Technician Insurance

Pros

  • Has partnered with many insurance carriers, you can easily compare quotes from different providers.

  • They allow you to cancel your coverage at any time with no extra charges

  • They have experienced agents who can assist in getting insurance quotes

  • You can get budget-friendly rates on your policy

Cons

  • CoverWallet is an insurance broker. Thus they issue products from third parties

CoverWallet is a reputable insurance brokerage firm. They have partnered with many providers to ensure you can access a wide array of affordable policies. What makes this company outstanding is its modern comparison tool. This tool helps customers to compare quotes from different providers.

Best for: Wind turbine technicians who want to compare insurance quotes from different providers online

Average cost: $33 per month

Our rating: 10/10


The Hartford Wind Turbine Technician Insurance

Pros

  • This company is known for offering the best workers’ compensation insurance deals.

  • You can use their mobile app to process claims

  • Renowned insurance company for workers compensation insurance

Cons

  • Limited add-ons to general liability insurance

The Hartford has been operational for around 212 years. It has stood out due to its financial stability and ability to process claims quickly. Currently, it has a rating of A+ from AM Best. This company should be your number one priority if you want specialized coverage for your wind turbine technician business.

Best for: Wind turbine technicians exposed to unique risks requiring specialized cover

Average cost: $36 per month

Our rating: 10/10


Tivly Wind Turbine Technician Insurance

Pros

  • An insurance marketplace where you can compare quotes on your phone

  • Their customer service team is very responsive and will give you the assistance you require

  • You can purchase several insurance policies at a budget-friendly price

Cons

  • They don’t issue online insurance quotes

Tivly has partnered with insurance companies such as Thimble and NEXT to offer comprehensive coverage. To get an insurance quote, you must first contact their representative. Tivly is known to give coverage to businesses even with poor profiles. Call now to compare quotes over the phone. 

Best for: Comparing wind turbine technician insurance quotes over the phone

Average cost: $37 per month

Our rating: 9/10


Thimble Wind Turbine Technician Insurance

Pros

  • They offer short-term coverage, which is ideal if you need only short-term coverage.

  • They offer online quotations very fast

  •  You can get competitive insurance rates on their website

Cons

  • You can’t reach customer service by calling

Thimble collaborates with National Specialty Insurance Company and Markel Insurance Company which underwrites most of their policies. When you want to file a claim you can contact the underwriters. But generally, it is a reputable company known for offering short-term coverage alternatives.

Best for: Wind turbine technicians who need coverage for short-term projects

Average cost: $39 per month

Our rating: 9/10


Hiscox Wind Turbine Technician Insurance

Pros

  • Offers you worldwide coverage

  • Your policy is automatically renewed

  • They have a mobile app to purchase and manage your wind turbine policy

Cons

  •  Limited to some states: not available in Alaska

Hiscox offers several insurance policies, such as business owner’s policy, cyber liability, commercial auto, and general liability insurance. You can adjust your coverage limits depending on the needs of your business. This company has many agents who can assist you.

Best for: Wind turbine technicians who want worldwide coverage for their business

Overall cost: $42 per month

Our rating: 9/10

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