Renewable Energy CEO

Your Insurance Costs Are Up 60%.
And Coverage Is Shrinking.

Post-disaster insurance markets have punished renewable energy. Premiums up 40-60% since 2020. Deductibles doubled. Coverage limits slashed. SlideStrike helps you understand your exposure and communicate it clearly to stakeholders.

The Premium Spiral: 2020 to 2025

Indexed premium growth for renewable energy property coverage

Renewable Energy Insurance Premiums (Indexed to 2020)
+60%
Baseline
1.00x
2020
+12%
1.12x
2021
+28%
1.28x
2022
+45%
1.45x
2023
+55%
1.55x
2024
+60%
1.60x
2025
40-60%
Premium Increase
2x
Deductible Growth
-30%
Coverage Limits

Coverage Erosion: What You Had vs. What You Can Get

The terms that changed while you weren't looking

Named Storm DeductibleDoubled or Tripled
2020
2-3% of TIV
2025
5-10% of TIV
Flood CoverageCarved out
2020
Included
2025
Separate policy required
Business InterruptionShortened
2020
24 months
2025
12-18 months
Hail DeductibleNew exclusion
2020
Standard AOP
2025
Separate 2-5% sublimit
Wildfire CoverageLimited
2020
Full replacement
2025
Capped or excluded
Transmission LinesAdded cost
2020
Property policy
2025
Infrastructure endorsement

Regional Risk Zones: Premium Impact by Geography

Your location increasingly determines your insurance fate

Gulf Coast / Southeast
60-80%
Premium Increase
HurricaneFlood
Texas / Central Plains
45-65%
Premium Increase
HailTornado
California / Mountain West
50-70%
Premium Increase
WildfireEarthquake
Midwest / Great Lakes
25-40%
Premium Increase
IceSevere Storms
Post-Disaster Reality

After a major weather event, some regions see carriers exit entirely. Remaining coverage can cost 3-5x previous rates with significantly higher deductibles. Are you prepared?

The Impact on Returns

Insurance is now a material driver of project economics

Project IRR Impact Analysis
Insurance as % of OPEX: 15-25%
9.5%
2020 Baseline
8.2%
Current Premiums
6.8%
Post-Disaster
5.5%
Worst Case
A 60% premium increase can reduce project IRR by 1.3-1.5 percentage points

Questions from CEOs

About insurance strategy and risk management

QHow can SlideStrike help with insurance strategy?

SlideStrike aggregates your portfolio insurance data, tracks premium trends across assets, and models the IRR impact of different coverage scenarios. When negotiating with brokers or presenting to your board, you have data-driven insights instead of spreadsheet chaos.

QWhat if carriers are exiting my region?

Our platform monitors market capacity and carrier behavior across regions. You'll see early warning signs of market contraction, allowing you to secure renewals earlier or explore alternative risk transfer strategies like parametric insurance or captives.

QHow do I present insurance risk to investors?

SlideStrike generates investor-ready materials that quantify insurance cost trends, project future premium scenarios, and show how your risk management strategy protects returns. Investors appreciate transparency about this often-overlooked cost driver.

RISK-AWARE

Understand Your Insurance Exposure

Portfolio-wide insurance analytics in 60 seconds

Premium trend tracking
Coverage gap analysis
IRR impact modeling
Board-ready reporting
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Because the next storm is coming. The only question is your insurance position when it hits.