Financial-impact insurance solutions for Level 3 (DCFC) charging infrastructure.

We build insurance solutions that help EV charging platforms and their capital partners smooth volatility from retail revenues and retail end users. Our EV Charging Utilization Revenue Guaranty product is a multi-year insurance policy that protects charging portfolios when utilization-driven revenue falls materially short of underwritten expectations for a variety of loss causes.

What we do

DCFC charging economics are highly sensitive to utilization ramp, retail pricing, and local competition, and modest underperformance in the early years of a project can put pressure on debt service and require more expensive project finance. Strata Specialty leverages advanced and proprietary utilization data and a disciplined underwriting approach to structure multi-year revenue protection around the financial outcomes credit and preferred equity platforms care about most. Sponsors retain full upside; the policy responds only in downside scenarios.

What these solutions support

Built for large-scale deployments of Level 3 (DCFC) chargers where results depend on how sites actually perform over time. By establishing a known revenue floor, our products help smooth volatility from utilization revenue, supports stronger project financing terms, and allows capital structures to be aligned with true structural and systemic risk rather than utilization noise.

How we approach underwriting

• We start with the financial story: multi-year utilization and revenue projections, tariff design, and alignment with lender base cases

• We design with data: advanced and proprietary utilization analytics covering ramp and location-based patterns, dwell times, and throughput at the site address and portfolio level

• We build for durability: flexible multi-year terms, with protection weighted toward the early years when ramp risk is the highest

Who it’s built for

EV charging infrastructure credit and preferred equity platforms, developers, operators, and lenders pursuing large-scale deployments who want more predictable cash flows and improved financial terms. The program is backed by "A"-rated carrier and reinsurer capacity, providing institutional support for large programs and long-term protection.