#Who insures Data Centers?/#

Because the financial stakes of a data center outage or construction delay are astronomical—with insurable asset bases globally exceeding $2 trillion—no single local insurance company can handle the risk.
Instead, data center insurance is dominated by a select group of global commercial powerhouse insurers (carriers), heavily backed by reinsurance syndicates and, in many cases, self-insurance structures created by tech giants.

The ecosystem breaks down into four main tiers:

1. The Global "Lead" Carriers
These are massive commercial insurance companies with the financial scale, specialized tech underwriters, and risk engineering teams required to handle complex property, electrical breakdown, and construction risks.

Carrier Specialized Data Center Focus

Zurich North America A massive player in the construction phase. They recently launched Data Center Project Guard, which combines builder's risk, 12 months of operational bridge coverage, and automatic weather parametric insurance into a single policy.
AIG (American International Group) Offers a dedicated, global "Data Center Solutions" division. They specialize in multi-line global programs that wrap property, business interruption, marine cargo (for shipping massive server orders), and cyber into a single framework.
FM (formerly FM Global) A highly unique property insurer focused on engineering-led risk prevention. FM puts data centers through rigorous physical testing regarding fire suppression systems, structural integrity against natural disasters, and advanced liquid-cooling resilience.
Chubb Widely recognized as a market leader in Cyber Liability and Technology Errors & Omissions (E&O), which protects data centers if human error causes a client's system to go offline.
AXA XL & Travelers* Major players in providing secondary capacity, particularly for property damage, equipment breakdown, and general commercial liability.