Colocation Data Center Insurance: Coverage Guide for Operators and Tenants
Reading Time: 8 minutesColocation Data Center Insurance: Coverage Guide for Operators and Tenants Colocation is the dominant model in data center infrastructure — a facility owner provides the physical space, power, and cooling, while tenants install and own their own servers and equipment. This arrangement splits risk across two parties in ways that create coverage gaps for both. […]
AI Data Center Insurance: Hyperscale Risk, Coverage Gaps, and What Brokers Are Doing Differently in 2026
Reading Time: 10 minutesAI Data Center Insurance: Hyperscale Risk, Coverage Gaps, and What Brokers Are Doing Differently in 2026 The commercial insurance market for data centers crossed into uncharted territory in 2026. Standard data center insurance programs built for 20MW colocation facilities weren’t designed for $10–$20 billion hyperscale campuses housing tens of thousands of GPUs, liquid cooling systems, […]
Data Center Business Interruption Insurance: Structuring Coverage for the Largest Operational Exposure
Reading Time: 9 minutesData Center Business Interruption Insurance: Structuring Coverage for the Largest Operational Exposure Business interruption insurance is the single largest premium component for most operational data center programs — and the coverage that’s most frequently inadequate when a major outage actually occurs. Power supply failures cause 45% of data center outages. A facility generating $50 million […]
Data Center Cyber Insurance: Coverage for Operators, Colocation Facilities, and Enterprise Tenants
Reading Time: 9 minutesData Center Cyber Insurance: Coverage for Operators, Colocation Facilities, and Enterprise Tenants Cyber insurance premiums for data centers have increased 25–40% annually over the past three years, and the trajectory isn’t slowing. Ransomware attacks, SLA-breach liability, non-damage business interruption, and regulatory exposure under HIPAA, PCI-DSS, and SOX are creating coverage needs that standard commercial property […]
Data Center Environmental Liability Insurance: Diesel, Batteries, and Cooling System Risk
Reading Time: 8 minutesData Center Environmental Liability Insurance: Diesel, Batteries, and Cooling System Risk Data centers carry environmental liabilities that most operators don’t fully account for in their insurance programs. Diesel fuel storage for backup generators creates underground storage tank (UST) and aboveground storage tank (AST) pollution exposure. Lithium-ion battery disposal — flagged by FM Global in its […]
Texas Data Center Insurance: Houston, Austin, and DFW Risk Guide for 2026
Reading Time: 8 minutesTexas Data Center Insurance: Houston, Austin, and DFW Risk Guide for 2026 Texas is the fastest-growing data center market in the United States outside Northern Virginia. The economics are compelling: cheap ERCOT power, abundant land, no state income tax, and a business-friendly regulatory environment. But the risk profile is distinctly Texan — Gulf Coast hurricane […]
Data Center Insurance Cost: What Operators Actually Pay in 2026
Reading Time: 8 minutesData Center Insurance Cost: What Operators Actually Pay in 2026 Data center insurance costs vary by an order of magnitude based on facility size, location, tier classification, and the specific coverage lines purchased. A small edge data center pays a few thousand dollars a year. A 50MW hyperscale colocation facility pays $400,000–$1.2 million. An AI […]
Colocation Data Center Insurance: Coverage for Operators and Tenants
Reading Time: 8 minutesColocation Data Center Insurance: Coverage for Operators and Tenants Colocation is the dominant model in enterprise data center infrastructure — a company leases rack space, cage space, or private suites inside a third-party facility, and the facility operator handles power, cooling, physical security, and network connectivity. The insurance implications for operators and tenants are completely […]
Data Center Cyber Insurance: Coverage, Costs, and What Operators Miss in 2026
Reading Time: 9 minutesData Center Cyber Insurance: Coverage, Costs, and What Operators Miss in 2026 Cyber liability has become the fastest-growing insurance line for data center operators. Premiums have increased 25–40% annually over the past three years, and the coverage gap between what standard property and liability policies provide and what data centers actually need has never been […]
Data Center Business Interruption Insurance: Coverage for Operators, Power Failures, and Revenue Protection
Reading Time: 8 minutesData Center Business Interruption Insurance: Coverage for Operators, Power Failures, and Revenue Protection Power supply causes 45% of data center outages. The second and third leading causes — hardware failure and human error — account for most of the rest. In each case, the financial consequence isn’t the cost to fix what broke. It’s the […]