Seems like you want insurance. As with the hospital bill you'd generally be paying a bunch of extra money for your health insurance plan to not get stuck with the bill.
Not sure that exists for businesses, but I'd expect you'd need to go shopping separately if you want that.
Seems like a good business idea if it doesn't exist.
I think the idea here is that if the payment for SLA breach is just "don't pay for the time we were down" or (as I've seen in other SLAs) "half off during the time we were down" that doesn't feel like much of an incentive on the service provider.
They have other incentives, obviously, like if everyone talks about how Google is down then that's bad for future business. But when thinking of SLAs I'm always surprised when they're not more drastic. Like "over 0.1% downtime: free service for a month".
Independent 'a service was down' insurance isn't the same though. It is important for the cost to come out of the provider's pocket, thus giving them a huge financial incentive to not be down. Having that incentive in place is the most important part of an SLA.
Even with insurance, some of the cost will come out of the provider's pockets - as increased premiums at renewal (or even immediately, in some cases). Insurers might also force other onerous conditions on the provider as a prerequisite for continued coverage.
I hear you, but there's going to be a cost for that. For the sake of argument, say Google changes the SLA as you wish and ups the cost of their offering accordingly.
Not sure that exists for businesses, but I'd expect you'd need to go shopping separately if you want that.
Seems like a good business idea if it doesn't exist.