Power outage. The lights go out, machines stop, registers freeze, orders back up, and customers walk away.

In Reading, PA, power outages aren’t uncommon, and they rarely happen at a convenient time. One storm, one downed line, or one overloaded grid can suddenly bring your business to a halt. Unfortunately, your basic commercial insurance policy might not cover any of the interruption.

Berks County Insurance works with local business owners who have learned this the hard way. A policy that seems complete can still leave critical gaps, and power loss is one of the biggest.

Lost Power Means Lost Income

Let’s face it. When your business loses electricity, you lose more than just lighting. You lose revenue, momentum, data, and customer trust. Time is not on your side.

It’s important to think beyond spoiled inventory or a dark storefront. How will you handle:

• Missed service windows and broken delivery promises?
• Idle payroll hours that you still need to cover?
• Damaged electronics caused by voltage surges when power returns?
• Lost sales, both in your physical store and on your website, if it’s affected?

The reality is that none of these costs are covered by a basic policy unless you have added the right endorsements.

The Coverage You Didn’t Know You Needed

Berks County Insurance helps Reading, PA businesses build commercial insurance plans that account for real-world risks, not just textbook scenarios.

We help business owners evaluate the following coverage options:

• Business interruption insurance to cover income lost during downtime
• Equipment breakdown coverage to repair or replace electronics damaged by power surges
• Spoilage coverage for restaurants, florists, grocers, and other businesses storing perishables
• Utility service interruption endorsements to cover losses caused by external power outages

Each add-on may seem small, but the financial protection it provides is significant.

A Basic Policy Won’t Restart Your Business

A standard policy will not get your business back up and running after a power outage, but a comprehensive one will. Call Berks County Insurance in Reading, PA today to build commercial insurance that works when the power doesn’t.