Fixed benefit coverage for power outage downtime
When the grid fails, we help offset the cost of downtime.
When the power goes out, businesses lose more than just electricity.
Spoiled inventory, lost sales, and interrupted operations can quickly add up — and for many SMBs, even a short outage can cause a lasting financial impact.
Most property insurance policies don’t cover power outages unless they’re caused by a specific peril like fire or storm damage. That leaves a gap in protection — one that can cost your business thousands.
Industries We Protect
Our coverage is built for the businesses most impacted by outages:
Restaurants & Grocery Stores
Protect against spoiled goods and lost sales.
Healthcare Clinics & Senior Care
Safeguard against interruptions in patient care.
Retail Stores & Hospitality
Cover cancellations and downtime costs.
Professional Services & SMBs
Reduce the financial impact of lost work hours
Technology Service Providers
Protect against disruptions in client-facing systems and services.
Manufacturing & Warehousing
Avoid losses from halted production lines.
How it works
Simple coverage in three steps:
- Get a Quote – quick, straightforward application.
- Select Coverage – choose the benefit amount right for your business.
- Stay Protected – coverage that activates when outages strike.
Did you know?
(Source: U.S. Department of Energy)
Coverage Summary
What’s Included:
✔️ Financial benefit for power outage downtime
✔️ Fixed benefit tailored to your needs
✔️ Straightforward protection for small and mid-sized businesses
✔️ Coverage for unintended electrical power loss events
FAQ’s
Doesn’t my property policy cover outages?
Most property policies only cover outages if caused by a covered peril (like fire or storm damage). This coverage is designed specifically for downtime from unintentional grid failures.
How much does the policy pay?
You’ll receive a fixed benefit amount based on the coverage you select at enrollment.
Who is eligible?
Small and mid-sized businesses across key industries like food service, retail, healthcare, and more.
Don’t wait for the next blackout
Get protection in place today — and reduce the financial impact of downtime.
GET COVERED