Catastrophe Insurance on Photovoltaic Systems
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Official Extension and New Deadlines for Businesses in 2025
Obligation postponed: more time to comply with the regulations
In 2025, the Government officially extended the obligation for companies to take out insurance against natural catastrophes , such as earthquakes, floods, landslides or inundations. This obligation, initially scheduled for the end of 2024, is now divided into different deadlines based on the size of the company, providing more time to adapt to the new regulations.
New Deadlines for Catastrophe Insurance
The obligation concerns all companies with registered office or permanent establishment in Italy and registered in the Companies Register (excluding agricultural companies). Here is the new schedule:
| Type of Business | New Deadline |
|---|---|
| Big Business | March 31, 2025 (with 90-day moratorium) |
| Medium Enterprises | October 1, 2025 |
| Small and Micro-enterprises | January 1, 2026 |
This extension allows for a more gradual management of the obligation and offers companies the possibility of choosing the most suitable insurance policy with greater awareness.
What should the insurance cover?
Catastrophe insurance must provide coverage for direct damage caused by extraordinary natural events. Goods to be insured include:
- Industrial or commercial buildings
- Plants and machinery
- Equipment and instruments
- Land with permanent structures
- Energy generation systems, such as photovoltaic systems
For companies that have invested in photovoltaic systems , it is essential that insurance policies explicitly cover such systems and the related infrastructure (inverters, electrical panels, support structures, etc.).
Photovoltaic and environmental risk: why insurance is strategic
In the current context, where extreme weather events are becoming more and more frequent, insuring a photovoltaic system is not only a legal obligation , but a strategic choice to protect your investment.
Photovoltaic systems are often installed on rooftops or in open areas, making them vulnerable to:
- Hail and strong wind
- Floods
- Landslides or landslides
- Fires triggered by natural events
Adequate insurance coverage can avoid significant economic damage and ensure the continuity of energy production , especially for companies that use photovoltaic systems to power production or agricultural activities.
What Businesses Need to Do Today
Thanks to the extension, companies have more time to:
- Analyze the insurance offers available on the market
- Evaluate the specific needs related to your business and assets
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Request professional advice to choose the most suitable and complete coverage
Conclusion
The extension of the obligation to have catastrophe insurance represents an opportunity not to be wasted : it is not just a matter of complying with the law, but of protecting one's productive assets from increasingly frequent and destructive events.
For those who own a photovoltaic system, insurance is no longer an optional choice, but a lever for safety and economic sustainability .
FAQ – Frequently Asked Questions
Who is required to take out catastrophe insurance?
All companies with headquarters or permanent establishment in Italy, registered in the Companies Register, excluding agricultural companies.
What are the new deadlines?
Large enterprises: 31 March 2025; Medium enterprises: 1 October 2025; Small and micro enterprises: 1 January 2026.
What should the policy cover?
Direct damage from natural events (earthquakes, landslides, floods, etc.) on buildings, systems, equipment and photovoltaic systems.
Can Ecogenera offer support in risk assessment?
Yes, Ecogenera provides technical assistance and consultancy to define adequate protection solutions for corporate photovoltaic systems.
