Commercial
Cover risks your business actually faces.
Adaptive offers solutions designed specifically for risks that traditional commercial policies don’t cover, so you’re protected when it matters most.
Real coverage. Real value. Built for your business.
What We Offer
Adaptive provides specialty insurance solutions that fill the gaps left by traditional insurance, giving you peace of mind.
Help close the protection gap with our specialty solutions
Deductible Buy-Back
Reduce your out-of-pocket exposure after wind, hail, or hurricane damage to as low as $5,000, depending on your TIV. Available in all 50 states.
Power Outage Coverage
Parametric coverage that pays automatically when an outage exceeds the chosen duration threshold, usually in just days.
Equipment Breakdown Coverage
Covers the sudden and accidental failure of commercial equipment, like HVAC systems, boilers, and elevators.
Common Situations
“We already have insurance.”
Traditional coverage is a must-have but keep in mind that it leaves gaps, especially for events like power outages, when equipment breaks down, or high deductibles on wind/hail damage. Adaptive’s coverage helps you prepare for these gaps.
“We’re trying to control costs.”
Sometimes doing the math shows the real cost: For example, a 5% wind/hail deductible on a $2M property is $100,000 out-of-pocket. Everyone’s risk tolerance is different, of course, but Adaptive’s products can help prepare for the “what if” scenarios.
“We’ve never had a major issue.”
Weather patterns are shifting and stress on infrastructures like the power grid are increasing, so it’s not a matter of if, it’s more about when. And that’s not meant to be scary, it’s meant to be clear and help make sure you’re protected.
“This seems complicated to add.”
Each of our products works alongside your existing coverage. Your agent can secure coverage for you in less than five minutes.
“We need to run this by our agent.”
We welcome that conversation. Let us know what we can provide to help your agent understand what you’d like to do.
Adaptive protects you from costs that primary insurance doesn’t cover.
Have questions or want to explore your coverage options? We’d love to help.
