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 […]
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 […]
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 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 […]
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 […]
AI Data Center Insurance: Coverage for Hyperscale and GPU-Driven Facilities in 2026
Reading Time: 11 minutesAI Data Center Insurance: Coverage for Hyperscale and GPU-Driven Facilities in 2026 The AI data center boom has created an insurance market that didn’t exist two years ago. S&P Global projects $10 billion in new data center insurance premiums in 2026 alone — roughly twice the entire global aviation insurance market. Aon just expanded its […]
AI Data Center Insurance: Coverage for Hyperscale, GPU Infrastructure, and Emerging Risks in 2026
Reading Time: 10 minutesAI Data Center Insurance: Coverage for Hyperscale, GPU Infrastructure, and Emerging Risks in 2026 The AI data center boom has created insurance problems that didn’t exist three years ago. Lithium-ion battery packs now sit inside server racks — a fire ignition source FM Global flagged as a new exposure category in its 2026 loss prevention […]
Buy-Sell Agreement Life Insurance: The Business Owner’s Complete Guide
Reading Time: 12 minutesBuy-Sell Agreement Life Insurance: The Business Owner’s Complete Guide Most business partners spend years building something together. They negotiate equity splits, draft operating agreements, and map out growth plans — but skip the one conversation that matters most when things go wrong. What happens to your ownership interest when your partner dies? Without a funded […]