Due to the electricity market risks and lack of various purchasing options, electricity customers are reluctant to participate in the electricity market. On the other hand, due to the electricity grid conditions and the absence of enough information about customers’ preferences, most utilities do not differentiate electricity services at the customer level. To provide various service options, this paper proposes the utility company provides financial and outage insurance mechanisms (FIM and OIM). In the FIM, electrical energy is sold via the real-time pricing (RTP) method. Each of the electricity customers selects a strike price, as an insurance deductible, based on his/her preferences. When the electricity market price exceeds the deductible, the utility company pays the difference between the deductible and the market price. In the OIM, a customer receives outage reimbursement based on his/her outage value. In this paper, the concept of the utility function is utilized to identify the customer’s and insurer’s behavior against different insurance contracts. Results illustrate the proposed FIM reduces the electricity market fluctuations and the average of the customers’ costs. According to the OIM, the outage is divided differently between the customers based on their outage value.

由于电力市场的风险和缺乏各种购买选择，电力客户不愿参与电力市场。另一方面，由于电网条件以及缺乏有关客户偏好的足够信息，大多数公用事业公司无法在客户层面上区分电力服务。为了提供各种服务选择，本文提议公用事业公司提供财务和停电保险机制（FIM和OIM）。在FIM中，电能通过实时定价（RTP）方法出售。每个电力客户都根据自己的喜好选择执行价格作为保险免赔额。当电力市场价格超过免赔额时，公用事业公司支付免赔额与市场价之间的差额。在OIM中 客户根据他/她的中断价值获得中断补偿。在本文中，效用函数的概念被用来识别客户和保险公司针对不同保险合同的行为。结果表明，拟议的FIM减少了电力市场的波动和平均客户成本。根据OIM，停电根据客户的停电价值在客户之间进行不同的划分。