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Any insurance recommendation when installing an EV Plug in an apartment complex?

Discussion in 'Model S: Battery & Charging' started by NeverFollow, Apr 7, 2016.

  1. NeverFollow

    NeverFollow Member

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    I plan to install an EV Plug (Nema 14-50) in the garage of my apartment complex, using a dedicated meter.

    From the electrician person, I am been informed of the need to get an $1 million liability insurance.

    Since I'm renting, I don't have an home owner insurance and only a car insurance.

    I wonder if someone have been in a similar situation and what insurance recommendation would you give?
     
  2. Lanny

    Lanny ~

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  3. 1101011

    1101011 Proud TSLA/SCTY shareholder since 2012.

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    Sounds absurd. I'd consult a different electrician.
     
  4. NeverFollow

    NeverFollow Member

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    Hi Lanny, thank you for the link. I'm in California, so beside installation costs and electrical usage costs responsibilities for the lessee:

    (h) The lessee shall maintain in full force and effect a lessee’s general liability insurance policy in the amount of one million dollars ($1,000,000) and shall name the lessor as a named additional insured under the policy commencing with the date of approval of construction until the lessee forfeits possession of the dwelling to the lessor.​

    I noticed few forum threads about the EV Plug installation, but not about insurance or other issues with the lessor.

    So I was wondering if any other tenants could told me about their experience.
     
    • Like x 1
  5. FlasherZ

    FlasherZ Sig Model S + Sig Model X + Model 3 Resv

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    I've carried a $1M umbrella policy for a number of years, just because of the sheer amount of random stuff that I do with various equipment and machinery with other people around. Most auto & home insurers will also sell you a general-liability umbrella policy at a discount. I'd start with your insurers first.
     
  6. brkaus

    brkaus Active Member

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    Umbrella policies are pretty inexpensive. Around $100 year iirc. They do require all your toys to be insured with minimums, but most have that anyway.
     
  7. davewill

    davewill Member

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    Yeah, I got an umbrella when I became a landlord so I'd have protection against random/stupid things my tenants might do (charging their electric car with an extension cord trailing over a sidewalk, for instance). Any insurance agent worth his salt can hook you up fairly inexpensively.
     

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