Energy MGA · Lloyd's Coverholder

Insurance priced
from the inside out.

Elemoor underwrites wind and solar assets using live maintenance data. Better-maintained fleets pay less — simple, transparent, defensible.

Get your MCS score → See how it works ↓
Live MCS · Vestas V150 Fleet · 25 turbines
91
Platinum tier
Maintenance adherence94
Inspection completeness90
Fault response time88
Component health (CMS)95
Parts inventory readiness85
Annual premium
$182,400
↓ $45,600 below market
Discount
−20%
Trusted by operators running
Vestas · V150 / V162
GE · Cypress / Haliade
Siemens Gamesa · SG 5.0
Goldwind · GW 4.0
Nordex · N149
First Solar · Series 7
How it works

Coverage that rewards
good maintenance.

No black-box pricing. Three clear steps from your fleet data to a bound policy.

01
Connect your data
Link your SCADA, CMMS, and inspection records to the Stratum platform. API or manual upload. First MCS report delivered within 30 days of onboarding.
02
Earn your MCS score
Stratum scores your fleet across five weighted pillars — maintenance adherence, inspection completeness, fault response, component health, and parts readiness. Updated every 90 days.
03
Pay what you deserve
MCS 85+ earns a 20% premium discount. Gold tier gets 10%. Monitored fleets get a clear remediation path. Declined is not permanent — it's a 60-day recovery plan.
The MCS

One score.
Five pillars.
Your real rate.

The Maintenance Compliance Score is calculated per asset, per quarter. It combines five data sources into a single number that directly determines your premium tier. No guesswork. No averages. Your fleet, your data, your rate.

PlatinumMCS 85–100−20% premium
GoldMCS 75–84−10% premium
StandardMCS 65–74Market rate
MonitoredMCS 60–64+10% · remediation plan
Sample fleet · MCS score
78
Gold tier · −10% premium
Maintenance adherence (30%)82
Inspection completeness (25%)72
Fault response time (20%)84
Component health index (15%)64
Parts inventory readiness (10%)80
Component health is the lowest pillar. Connect CMS data to Stratum to add 8–12 MCS points → reach Platinum tier.
Live MCS calculator

What would your fleet pay?

Configure your fleet below. Every input feeds the same algorithm our underwriters use. Score, tier, and estimated premium update in real time.

Fleet configuration

Asset type
OEM / model
Number of units 25
1100200350500
Average fleet age (years) 6 yr
New5101520+25
Power purchase price ($/MWh) $45
$20$45$70$95$120
PM schedule adherence
Inspection frequency
Fault response (Cat. 5 alerts)
SCADA / CMS connectivity
Critical spare parts on-site
OEM service contract
Maintenance Compliance Score
68
Standard
Market rate
premium vs market benchmark
Declined <60 Standard 65 Gold 75 Platinum 85+
Pillar breakdown
Annual value estimate
Top actions to improve your score
Coverage lines

Everything your fleet needs.

Purpose-built for renewable energy assets. Surplus lines placement with Lloyd's of London capacity.

Property All Risk
Physical damage to turbines, solar panels, substations, and associated infrastructure. Named perils and all-risk forms available.
Machinery breakdown extension
MCS-linked deductible tiers
Offshore available via Lloyd's
Business Interruption
Loss of revenue following a covered physical damage event. Calculates from MW capacity, capacity factor, and PPA price — not industry averages.
Per-turbine BI modeling
PPA-linked indemnity basis
Expediting expense coverage
Third Party Liability
Coverage for bodily injury and property damage to third parties arising from your wind and solar operations.
Environmental liability extension
Blade fragment / ice throw
Construction phase available
We'd never seen an insurer who actually looked at our maintenance data before pricing us. Elemoor came in 18% below our incumbent on a like-for-like basis.
Head of Risk · 340 MW Wind Portfolio · Texas

See what your fleet
actually deserves to pay.

Connect your SCADA data to Stratum. Get your MCS score within 30 days. We'll quote from there.

Request a quote Talk to an underwriter
underwriting@elemoor-mga.com · Lloyd's Coverholder · Surplus Lines Licensed