Insights ·
You installed a battery. Have you told your insurer?
It's the question nobody asks, not the one selling the battery, not the one installing it. And it can cost you the entire payout.
You installed a battery in your business. Congratulations.
Have you told your insurer?
Silence. It's the question nobody asks, not the one selling the battery, not the one installing it. And it can cost you the entire payout.
What the law says
Spanish insurance law (Insurance Contract Act, articles 11-12) is clear: the policyholder must report any modification of the risk. An energy storage system on your premises is one. If it goes unreported and one day there's a claim, any claim, the insurer can reduce the payout or reject it.
Translation: the battery you bought to protect your business can leave it unprotected. Over a piece of paper nobody told you existed.
Done properly, it works in your favour
The good news: done properly, this works in your favour.
Because notifying the installation with the full technical file (system certification, LFP chemistry, built-in fire suppression, professional installation with the official certificate) does two things:
- It shields your coverage: the risk is declared, accepted, in writing.
- It opens a negotiation few know about: if your battery keeps the cold rooms running through any outage, the “spoilage due to power failure” cover now insures a risk that barely exists. That's worth reviewing.
We prepare that dossier for every installation and handle the insurer notification. Not because it looks nice, because a battery without its paperwork isn't an investment. It's a lawsuit waiting for a date.
If your battery seller doesn't know what you're talking about, you have your answer.