Factory Mutual Insurance Company received approval from the Nevada Division of Insurance on February 18, 2026, to revise two optional property endorsements covering renewable energy infrastructure: Wind Turbines and Solar Arrays. The updates are designed to improve clarity and provide more flexible valuation for renewable energy property, with no changes to the rate manual.

The revised Solar Arrays endorsement adds specific provisions for microfracture testing, addressing microscopic cracks that are not visible to the human eye. Coverage for this type of damage applies only when testing confirms a reduction in power output of 5% or more.

The endorsements are intended for commercial and utility insureds that generate renewable energy for their own operations. Factory Mutual Insurance Company, domiciled in Rhode Island and part of the FM Global group, focuses on Highly Protected Risk business.

A similar filing was submitted in Idaho, North Dakota, Tennessee and Vermont.