Data centers and infrastructure
Insurance for data centers and infrastructure providers
Colocation, hosting, and infrastructure services. When your facility goes down, your customers' operations go with it.
Where the outage starts
Off-premises utility failure
Your equipment
Customer equipment
Uptime SLA at risk
Customer equipment and off-premises outages are where data center programs most often fall short.
Who this is for
Data centers, colocation facilities, hosting companies, and infrastructure service providers.
First look
Equipment breakdown, utility outages, and customer equipment in your care.
Where programs go wrong
Four places a data center program usually comes up short
Customer equipment in your care
Servers your customers own and you house aren't automatically covered by your property policy. How the program handles property in your care, custody, or control has to be spelled out, and your customer contracts should say who insures what.
Utility and power outages
Business income coverage often limits or excludes losses from an off-premises utility failure unless it's specifically added. For a facility that sells uptime, that's a central question.
Equipment breakdown
Generators, UPS systems, cooling, and switchgear keep the lights on. Equipment breakdown coverage, and how it values that equipment, deserves a close look.
Uptime promises
When an outage costs a customer money, the claim isn't only a property loss. SLAs create technology E&O exposure that property and GL don't answer.
Coverage that matters most
- Property and business income
- Equipment breakdown
- Technology E&O
- Cyber
- General liability and umbrella
- Workers' comp
Common questions
Does a data center's property policy cover customer servers?
Not by default. Customer-owned equipment is usually outside your own property coverage unless the program is built to include it.
Are power outages covered?
It depends on the cause and the wording. Damage to equipment you own falls under property and equipment breakdown. An off-premises utility failure often needs coverage specifically added.
Do infrastructure providers need technology E&O?
If customers rely on your uptime and could claim a financial loss from an outage, yes. That exposure sits outside property and GL.
Get a straight read on your program
A 30-minute call and a one-page findings summary. No quote request, no obligation to move anything.
One useful read a month
Contracts, coverage, and risk for technology company owners and CFOs. No fluff.