solar Fayetteville TN

[leww]

that's really strange, as you are not a 'business', only a home - though the utility may think that you ARE a business because you are 'selling' them back power, I suppose.
I would find it hard to find an insurance carrier who would understand or even want to issue a policy for this reason only, for a homeowner, but apparently you found one.
Why it would have to a 'commercial' policy is beyond me, since that's exactly why a homeowner's policy will carry Liability, but maybe the utility doesn't 'trust' that a home policy would afford you coverage if a claim occurred in some scenarios, like solar backfeed to the grid(?).
Maybe there's an insurer who has decided to get into this type of 'business' coverage... oh well, but it's pretty typical now a days to find that any business wants to 'pass the buck' to someone else's insurance policy, rather than their own potentially paying a claim.

yes strange is the correct word and my insurance company is Farm Bureau of Tennessee

[leww]

...was it the Utility requiring a 'Commercial' general liability policy, or was it just that your broker or agent/company thought you needed one?

Utility required coverage, insurance company said it had to be a commercial policy

[NCmountainsOffgrid]

just allowing your Home policy's Liability would be the easiest solution, no 'commercial' policy would be required unless TFB says that the home policy Liability specifically EXCLUDES coverage for utility feedback, or such. I think they just sold you an additional policy. I wonder if you just provide your home policy to your Utility, that they would accept it - then cancel the commercial one.

[leww]

just allowing your Home policy's Liability would be the easiest solution, no 'commercial' policy would be required unless TFB says that the home policy Liability specifically EXCLUDES coverage for utility feedback, or such. I think they just sold you an additional policy. I wonder if you just provide your home policy to your Utility, that they would accept it - then cancel the commercial one.

they said my home policy could not be extended to cover the panel liability and I had to have a new commercial policy, they said that came from their home office It may be time to look for a new insurance company as an aside I had to get a seoerate policy for home earthquake damage

[J.P.M.]

they said my home policy could not be extended to cover the panel liability and I had to have a new commercial policy, they said that came from their home office

I'd get written confirmation of that. Just sayin'.

[gbynum]

Duke Energy (South Carolina) had an amount, I forget what it is, but they had to be added as a "named insured" on my homeowners policy. With State Farm, completing the form was done at no charge, and there was no increase in my rates.

[leww]

Duke Energy (South Carolina) had an amount, I forget what it is, but they had to be added as a "named insured" on my homeowners policy. With State Farm, completing the form was done at no charge, and there was no increase in my rates.

hopefully they won;t burn down your house in order to collect on your insurance LOL seriously I like that idea even less than my situation....

[SunEagle]

I remember when TN POCO's were doing everything they could to discourage private solar installations.

It seems that asking for a commercial insurance policy may be one of their tactics to get people to lose interest in being a co-generator and competitor of the POCO.