GridProtect Power Outage Coverage

GridProtect offers coverage for power outages lasting 8-24 hours. And because it’s parametric — the event happened or it didn’t — we verify the outage with real-time data and then automatically trigger the claims process, allowing payment to be made in just days.

Commercial Wind/Hail Deductible Buy-Back

Wind/Hail Deductible Buy-Back coverage for commercial customers helps reduce out-of-pocket exposure from wind, hail, or hurricane damage, providing capital when it’s critical. Bring down out-of-pocket to as low as $5K.

Residential Wind/Hail Deductible Buy-Back

Wind/Hail Deductible Buy-Back coverage for residential customers helps bring down out-of-pocket expenses from damage due to wind, hail, or named storms. Reduce out-of-pocket expenses to as low as $2,500.

Flood Coverage

Our Residential Flood coverage helps protect homes by covering gaps left by traditional policies and offers greater flexibility and protection than NFIP policies.

Commercial Earthquake Deductible Buy-Back

Earthquake Deductible Buy-Back for commercial customers helps reduce out-of-pocket costs from earthquake damage, providing capital when it's most needed. Lower retained risk to as low as $10K.

Residential Earthquake Deductible Buy-Back

Earthquake Deductible Buy-Back for residential customers helps offset the costs homeowners face after earthquake damage. Lower retained risk to as low as $10K.

Equipment Breakdown Coverage

Equipment Breakdown for commercial businesses provides coverage for unexpected, costly equipment and machinery losses that aren’t typically covered by traditional business policies.

Restaurant Recovery

Offered by Tokio Marine HCC and powered by Adaptive, Restaurant Recovery offers coverage for losses due to events like foodborne illnesses, supplier recalls, and resulting reputation rehabilitation.