Energy-Efficiency and Renewable Energy Options For Risk

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Management and Insurance Loss Reduction: An Inventory of

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Technologies, Research Capabilities, and Research Facilities at

the U.S. Department of Energy’s National Laboratories

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Lawrence Berkeley National Laboratory

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Table of Contents

Acronyms and Abbreviations. v

Executive Summary. vi

Chapter 1. Introduction .1

1.1. Objectives of Report .1

1.2. Research Methodology.2

1.3. Organization of Report.4

Chapter 2. Energy-Efficiency and Renewable Energy Technologies.6

2.1. Avoided Insurance Losses6

2.1.1. Boiler and machinery risk 10

2.1.2. Builder’s risk . 11

2.1.3. Business interruption coverage 12

2.1.4. Commercial property insurance. 12

2.1.5. Completed operations liability 13

2.1.6. Comprehensive general liability 14

2.1.7. Contractors liability 14

2.1.8. Environmental liability . 15

2.1.9. Health/life insurance (commercial) 16

2.1.10. Product liability. 16

2.1.11. Professional liability . 17

2.1.12. Service interruption coverage 17

2.1.13. Workers compensation 18

2.1.14. Health/life insurance (residential) and personal liability 19

2.1.15. Homeowners insurance 20

2.1.16. Summary 20

2.2. Inventory Overview. 21

2.3. Research Facilities at the National Laboratories. 36

2.4. Developing a National Insurance Loss Reduction and Risk Management Research Agenda for

the National Laboratories 45

2.5. National Laboratory Collaborations with the Insurance Industry 46

2.6. Research from the Insurance Industry 49

2.7. Risk Factors Associated with Energy-Efficiency and Renewable Energy Technologies. 52

Chapter 3. The Insurance Value of Energy-Efficient and Renewable Energy Technologies 54

Chapter 4. Next Steps in Supporting Research Efforts60

Acknowledgments63

References.64

Technical Appendices (bound under separate cover)

Appendix A. Survey Questionnaire and Instructions.

Appendix B. Explanations of Insurance Terms and Coverages.

Appendix C. National Laboratory Projects.