6/19/26, 5:20 PMFor Internal use only
TravelersRisk Control Reporting
SUNRIDGE SOLAR POWER STATION   1 TOWER SQUARE, HARTFORD , CT 06183

General Information

Survey Information

Survey Type:RenewalJob Number:888P-FJFQN9Survey Date:11-Jun-2026Inside Survey?:NoContact Name:Priya RamanContact Title:Director of Campus FacilitiesContact Phone:860.555.2210 x4471Contact E-mail:praman@claimuniversity.edu

Risk Control Consultant

RCC Name:Marquez, DanaRCC Title:Risk Control Consultant - Renewable EnergyRCC Phone:860-277-0111

Account

SAI Number:4471C2208Account Name:Sunridge Solar Power StationRenewal Date:01-Aug-2026Business Unit:Comm Accounts GroupProgram Code:P36Producer Code:F8181Producer Name:Mma-The Graham CompanyAgent Name:Ryan DydakAgent Phone:267-300-7659Agent E-mail:rdydak@grahamco.com

Report Content

  • Property
  • Renewable Energy
  • Probable Maximum Loss

Lines of Coverage

  • Building
  • BPP - Machinery & Equipment
  • Business Income

Location

Street Address 1:1 Tower SquareCity:HartfordState:CTZip Code:06183SIC Code:4911SIC Description:Electric Services - Solar Photovoltaic Generation
6/19/26, 5:20 PMFor Internal use only

Renewable Energy Information

Site name:Claim University Solar ArraySite address:1 Tower Square, Hartford, CT 06183 (41.7658° N, 72.6734° W)

Solar Energy System

Rated capacity (MW/KW) (DC/AC):4.8 MW DC / 4.0 MW ACOperational date:14-Sep-2022Installing contractor:Greenskies Renewable Energy LLCPV module manufacturer:Qcells (Hanwha Q CELLS)
Description of PV system

Ground- and roof-mounted grid-tied photovoltaic generating system installed across the Claim University campus. The array comprises 12,480 monocrystalline modules feeding eight central inverters that tie into the campus 13.2kV distribution loop through a dedicated medium-voltage switchgear lineup. Generation offsets approximately 38% of campus demand with net metering to Eversource. The system is monitored 24/7 through a SCADA platform with remote disconnect capability.

Prominent Inverters
Type of prominent inverter:Central, String
Warranties (system, panels, inverters & transformers)

Modules carry a 25-year linear performance warranty and 12-year product warranty (Qcells). Central inverters (SMA Sunny Central) are covered by a 10-year extended warranty with a 20-year service agreement. The medium-voltage step-up transformers carry a 5-year manufacturer warranty. All workmanship is warranted for 10 years by Greenskies.

Modules and Installation for Solar Energy Systems
Type of module:Roof, GroundRoof modules mounted on racking are:BallastedCondition of observed roof surface:GoodStructural engineer evaluated roof loading as acceptable:No
Additional roof comments

Roof-mounted ballasted array sits on the field house TPO membrane, installed 2022. Membrane is in good condition with no observed ponding or penetrations beyond the array attachments. Walk pads are present between rows.

6/19/26, 5:20 PMFor Internal use only

Renewable Energy Controls

Effectiveness of controls (solar energy system):Effective
Solar Energy System Site Security ControlsResponse
Security systemYes
Security guardsNo
Surveillance camerasYes
FencingYes
Solar Operations and Maintenance ControlsResponse
Supervisory controls & data acquisitionsYes
Vegetation management plan in placeYes
Infrared inspections are performedNo

Fire and Weather Preparedness

ISO public protection class:2Effectiveness of controls:Effective
Fire exposure and controls

Primary fire exposure is electrical: DC arc faults at module connectors and combiner boxes, and AC faults at the inverter and MV switchgear. Arc-fault detection and rapid shutdown are integrated at the string level per NEC 690.12. The MV switchgear room is protected by a clean-agent suppression system and is separated from occupied space by 2-hour rated construction. Vegetation under the ground array is maintained low to limit ground-fuel loading.

Emergency Response Plans
Emergency response plan rating:Effective
Emergency response plans

A written emergency response plan specific to the PV system is maintained and shared with the Hartford Fire Department. It documents array disconnect/rapid-shutdown locations, MV isolation procedures, and a site plan with labeled access roads. Annual tabletop drills are conducted with campus security and the local fire marshal.

Severe Weather Preparedness
Weather related potentials:Flood, Freezing Temperatures, Hail, Hurricane, Wind
Elevated exposures & severe weather preparedness

Hartford is exposed to nor'easters, occasional hurricane remnants, and seasonal hail. Modules are rated for 25mm hail at 23 m/s and a 2,400 Pa wind load. The ground array sits above the FEMA 500-year flood elevation; the roof array drains freely. Freeze/thaw cycling is monitored for ballast block movement during annual inspections.

6/19/26, 5:20 PMFor Internal use only

Operations & Maintenance

Maintenance / service provider(s):Greenskies Asset Management (O&M contract)Overall operations and maintenance grade:Effective
Operations and maintenance schedule

Preventive maintenance is performed quarterly: visual module inspection, torque checks on a sampled basis, inverter filter service, combiner-box thermography, and vegetation control. Annual electrical testing includes IV-curve tracing of sampled strings and MV switchgear maintenance. SCADA alarms generate same-day dispatch for inverter trips or production anomalies.

Spare parts inventory & contingency planning

A bonded spare-parts cache is maintained on site in a locked conex: 120 replacement modules (~1% of installed), two spare string combiners, fuses, and connector kits. Spare central-inverter power blocks are held at the O&M provider's regional depot with a contractual 48-hour delivery SLA.

Major renovation since operational

No major renovation since the system became operational in 2022. A firmware upgrade to the inverter fleet and addition of two SCADA-integrated weather stations were completed in 2024.

Risk Quality Grade

Overall Risk Quality Grade (Location)

GradeScoreRange
Average (lower)Average (lower)Undesirable - Above Average
Overall Risk Quality Points:612
6/19/26, 5:20 PMFor Internal use only

Recommendations

New
26-1|Important|Roof Load Verification|New

Obtain and retain on file a stamped structural engineering analysis confirming the field house roof can support the additional dead load of the ballasted PV array under applicable snow and wind loading. No PE letter was available at the time of survey. Verification protects against structural overload during a heavy-snow event and supports the property values placed on the schedule.

26-2|Important|Implement Infrared (Thermographic) Inspection Program|New

Establish a documented annual infrared inspection of modules, combiner boxes, inverters, and the MV switchgear. Thermography is the most reliable means of detecting developing hot spots, loose connections, and failing components before they become arc-fault or fire sources. The current program performs combiner-box thermography only on a sampled basis.

Open
26-3|Advisory|Formalize Hail Response and Post-Storm Inspection Protocol|Open

Document a written post-severe-weather inspection protocol, including drone or walk-down module survey and IV-curve sampling after any hail event exceeding the module rating. Hartford's hail exposure and the large module count warrant a defined, repeatable post-event procedure to identify micro-cracking and back-sheet damage that degrade output and create fire risk over time.

Recommendation Outlook

Recommendations above are tracked to closure with the account contact. Important items are targeted for completion prior to the renewal effective date; advisory items are reviewed at the next scheduled survey. The account has historically been responsive to risk control guidance, and management has acknowledged the open items at the closing conference.

6/19/26, 5:20 PMFor Internal use only

Probable Maximum Loss

Peril:FirePML Likelihood:AverageBuilding PML Calculation Method:Engineering Judgment PML MethodBuilding PML:45%Building PML Amount:3,850,000 USD

Contents PML

Contents TypeLimits/Values ($)PML %PML Amount ($)
PV Modules & Racking5,200,00035%1,820,000
Inverters & MV Switchgear2,400,00080%1,920,000
Balance of System / Wiring900,00040%360,000
Total Business Income PML Amount:1,450,000 USDReconstruction Cost:9,100,000 USDAdjusted Total PML based on Reconstruction Cost:5,550,000 USD

Value Subject

Medium-voltage switchgear lineup, adjacent four-unit central inverter bank, and the roof-mounted array on the field house.

PML Loss Scenario, Likelihood & Rationale

An arc-fault originating in the MV switchgear propagates to the adjacent central inverter bank before clean-agent suppression and rapid shutdown isolate the fault. Damage is bounded by 2-hour rated separation and the segmented DC architecture, limiting the loss to roughly half of generating capacity plus the switchgear lineup. The dominant driver of total loss is the lead time to replace medium-voltage equipment and a central inverter power block, which extends the business-income (lost generation / replacement-power) period.