Solar EPC contractors, balance-of-system installers, utility-scale photovoltaic construction. The fastest-growing carrier appetite class in the SE in 2026.
Solar EPC contractors typically have a mixed class structure: 5190 (Electrical Wiring) for the actual PV panel install and electrical termination, 5403 (Carpentry NOC) for racking and structural work, 6217 (Excavation) for site prep and trenching, and 8810 for office staff. Payroll allocation across these codes drives the all-in premium 20-30% — getting the split right is the single biggest controllable lever.
Solar EPC contractors typically have a mixed class structure: 5190 (Electrical Wiring) for the actual PV panel install and electrical termination, 5403 (Carpentry NOC) for racking and structural work, 6217 (Excavation) for site prep and trenching, and 8810 for office staff. Payroll allocation across these codes drives the all-in premium 20-30% — getting the split right is the single biggest controllable lever.
A 2026 SE solar EPC contractor with $3M payroll and $8M revenue typically pays $90,000-$165,000 for workers comp with the proper class split, $20,000-$40,000 for general liability, $55,000-$95,000 for commercial auto, $12,000-$25,000 for $10M umbrella, plus builders risk per project (0.20-0.45% of contract value). Total program $200,000-$360,000.
The fastest-growing market for solar contractor appetite in 2026 is Builders Mutual, with ICW Group, Markel, and Westchester all leaning in. The carriers want clean solar accounts because the obligees (Georgia Power, Duke Energy, Florida Power & Light) are deep-pocketed and the project timelines are predictable. Surplus lines via CRC and AmWINS for distressed accounts or unusual sites.
The right carriers writing solar & renewables in the Southeast in 2026.
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