Insurer guide
Adaptive Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote Adaptive. This page lists the Adaptive coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by Adaptive. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention Adaptive if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
Adaptive coverage and states available through our agency
The table shows each Adaptive coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Parametric Power Outage | Business | AZ, TX, NY, FL, GA, KS, IL, NJ, PA |
| Commercial Deductible Reimbursement | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Personal Deductible Reimbursement | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Equipment Breakdown | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Wind & Hail | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Personal Flood | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
How to request a Adaptive quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the property, vehicle or business is located.
- A licensed agent reviews whether Adaptive is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Deductible Defender, Pathpoint, MSI.
Who Adaptive is
Adaptive Insurance is an MGA headquartered in Austin, Texas. Mike Gulla is its CEO and co-founder. Adaptive was one of the first companies to come out of the Montauk Climate incubator, according to Insurance Business.
Adaptive focuses on parametric insurance. A parametric policy pays when a measured event meets a trigger, rather than after an adjuster reviews your loss. Its main product covers business losses from power outages.
We couldn't verify Adaptive's legal entity name. Bold Penguin's coverage calls it a carrier, but Adaptive is an MGA.
Who issues Adaptive policies
Tokio Marine HCC is the capacity partner for Adaptive's GridProtect product. They announced the partnership on June 24, 2025.
The release doesn't name which Tokio Marine HCC company issues the policy. We couldn't verify it. Your declarations page will show the insurer's full name. Check its rating when you get your quote.
Adaptive, as the MGA, designs the product and handles distribution.
The data partner, Whisker Labs, plays a role too. Since July 31, 2025, GridProtect has used its Ting sensor data.
What Adaptive covers
- GridProtect: parametric business interruption cover for power outages. It pays automatically when verified, real-time outage data meets the policy trigger. Since July 31, 2025, it has used Whisker Labs' Ting sensor data.
- Flood.
- Wind and hail deductible buy-back.
- Commercial equipment breakdown.
The last three were listed by Insurance Business in July 2026.
Where Adaptive writes
GridProtect launched in 18 states in June 2025: Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Maryland, Minnesota, Missouri, Nevada, New Jersey, New York, Pennsylvania, Texas, Utah and Wisconsin.
According to the First Connect carrier directory, Adaptive now lists 50 states plus DC. We couldn't confirm that GridProtect itself is available beyond its 18 launch states. Ask before you assume it's offered in yours.
Adaptive sells through distribution partners and agents, including First Connect and Bold Penguin.
Adaptive news, 2024 to 2026
- October 2024: launched GridProtect.
- June 2025: Tokio Marine HCC partnership.
- July to August 2025: integrated Whisker Labs' Ting sensor data.
- December 2025: listed on Bold Penguin's platform.
- July 9, 2026: raised a $5 million extension, bringing total funding to $10 million. New investors were IAG Firemark Ventures, Sunna Ventures, Room & Pillar and Connecticut Innovations. Congruent Ventures and Seraphim Space returned.
What to check before you buy Adaptive
- The trigger. Ask how long an outage must last and how it's measured.
- The data source. Know whether Ting sensors or other data decide the payout.
- The payout amount. A parametric payment may not match your exact loss. Set it to fit your costs.
- The insurer. Get the Tokio Marine HCC company's name and rating.
- Your state. Confirm GridProtect is offered where you operate.
Sources for the sections above: Tokio Marine HCC: Adaptive Insurance and Tokio Marine HCC partner (2025); Insurance Business: Adaptive targets power outage gap (2026) (secondary); Insurance Business: Adaptive launches GridProtect (2024) (secondary); Artemis: Adaptive and Whisker Labs (secondary); Insurance Journal: Adaptive on Bold Penguin (2025) (secondary); First Connect carrier directory: Adaptive (secondary).
Adaptive FAQs
Can Blake Insurance Group quote Adaptive?
Yes. Our agency currently has access to quote Adaptive for the coverage types and states listed on this page. Access can change, and Adaptive decides whether to offer a policy.
Which states can you quote Adaptive in?
Of the 24 states where we are licensed, we can currently quote Adaptive in AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare Adaptive with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. Adaptive decides eligibility, pricing and whether to issue a policy.
Trademarks. Adaptive and other company names are trademarks of their owners. This page is not published or endorsed by Adaptive.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check Adaptive and other options available to you.