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That sounds like you want armoured panels; As I understand it, the degradation being discussed here is from the light itself.

Most panel warranties cover hail up to like 1" diameter. So, pretty sizable. Beyond that, you need insurance.

You can always put more/stronger glass on top to protect them more.

But I would bet it is cheaper to buy insurance for such infrequent events.

Is it possible to put some translucent protective material that doesn't block the frequencies the panels absorb?

yes, they use this new tech called glass.

Glass refracts and depending on what it's made of, will absorb some frequencies.

> For normal incidence, approximately 4 % of the light is reflected; this value is determined by the refractive index of the glass. For most glasses with a refractive index of 1.5, reflection losses at the surface result in an approximate 4% decrease in light intensity.

Consumer panels on homes have hail protection since forever.