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Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Chubb’s in-house technology makes it easy to integrate what we do into your customer experience.
Sustainability is more than meeting environmental goals, it is a practical way to support resilience, improve operating efficiency, and strengthen long-term asset value. Many trustees and beneficiaries are investing in solar panels, electric vehicle charging stations, and vegetated roofs in pursuit of green initiatives. These projects can help reduce utility costs, support energy resilience, lower dependence on the electrical grid, and advance sustainability goals.
The most effective approach is to think about property protection early, before a project begins. Consider how a new system may affect property characteristics, emergency access, maintenance needs, and loss prevention measures. Qualified professionals should be involved in design and installation, and all work should follow applicable codes, standards, and manufacturer requirements. It is also important to update inspection, testing, maintenance, training, documentation, and emergency response plans so the new system can be managed safely over time.
Solar panels can be a valuable sustainability upgrade, but they also deserve careful review. Rooftop systems can affect roof loading, roof penetrations, fire department access, and roof maintenance. If they are not installed properly, they may increase the risk of water intrusion, wind damage, fire, or electrical faults. The best approach is to use qualified installers, confirm roof structural capacity, keep access pathways clear, and make sure the system is included in the facility’s inspection and maintenance program. Emergency responders should also know where the system is located and how to disconnect it. Consider the following to mitigate unwanted risks associated with solar panels.
Electric vehicle charging stations can support employees, residents, and visitor convenience, and can help organizations prepare for future transportation trends while demonstrating environmental leadership. But like any electrical system, they need to be installed and managed carefully. Poor installation, overloading, vehicle impact, and weather exposure can all create hazards. Best practices to consider for effective and safe implementation of electric vehicle charging stations include the following.
Vegetated roofs and walls are a signature feature for many green buildings. Vegetated roofs are often installed on urban buildings because it provides open space habitat that cannot otherwise exist due to land constraints. In addition, vegetated roofs can help solve stormwater management issues and reduce “heat island effects” caused by radiant heat being generated from traditional roofing materials. There are several risks which need to be considered when contemplating green roofs. This includes the potential for leakage from the roof into the building, collapse due to the combined weight of vegetative roof and water, and increased fire load from plants in drought conditions. To mitigate these exposures, consider these best practices.
The strongest sustainability programs are the ones that look at green projects before they are installed, involve qualified professionals, and update maintenance and emergency response plans as needed. Sustainability and property protection are not competing priorities. When they are managed together, they can support safer, more resilient properties.
This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.
Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.