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Whether you operate a data center, manage cloud infrastructure, or provide critical IT services, your business faces a unique and evolving risk profile. From cyber threats and equipment failures to regulatory compliance and service interruptions, technology-driven organizations require insurance solutions that keep pace with the complexity and speed of modern operations.
Data centers and technology providers are the backbone of today’s economy. A single outage, cyberattack, or compliance failure can result in significant downtime, contractual penalties, and reputational harm. As infrastructure becomes more integrated and power strategies more sophisticated, the consequences of failure grow exponentially. Without the right protection in place, these events can disrupt operations and threaten long-term financial stability.
Construction and Expansion Risks for Data Centers
Building or expanding a data center involves substantial capital investment, complex engineering, and aggressive timelines. During construction and commissioning, owners face exposures ranging from property damage and equipment loss to contractor errors, project delays, and onsite safety incidents. Specialized construction insurance helps protect each phase of development, from groundbreaking through commissioning. Our solutions are designed to help safeguard investments, control project-related liabilities, and help keep large-scale builds on track without jeopardizing budgets or operational launch dates.
Behind-the-Meter Power Risks in Data Centers
As data centers increasingly rely on behind-the-meter power solutions, including turbines, fuel cells, and other on-site generation, new and concentrated risk exposures emerge. These systems are critical to operational resilience but introduce challenges that traditional insurance programs may not fully address. When on-site power and critical compute infrastructure are interconnected, even short interruptions can produce substantial business interruption losses. These risks require a coordinated insurance approach that recognizes how power, property, and operations intersect.
Why Technology and Data Center Insurance Supports Long-Term Protection
Several trends continue to drive the need for comprehensive, specialized coverage:
- Cybersecurity threats: Increasing frequency and sophistication of attacks demand robust, tailored protection
- Regulatory compliance: Data privacy laws and industry standards require proactive risk management
- High-value equipment: Servers, cooling systems, and power infrastructure create significant physical damage exposures
- Operational continuity: Service interruptions can trigger severe financial and contractual consequences
- Construction risk: Insuring new data center investments requires a coordinated suite of insurance products
- On-site power dependency: Behind-the-meter generation amplifies business interruption and equipment failure exposures
Insurance Solutions for Technology and Data Center Risk Management
Brown & Brown delivers insurance solutions built for the realities of technology operations and data center environments. Our specialists work closely with you to understand your systems, facilities, power strategies, and growth objectives, then design a program that aligns coverage with how your business actually operates.
Our solutions address both traditional and emerging risks, including those associated with behind-the-meter power generation and commissioning. Coverage options include, but are not limited to:
- Owner Controlled Insurance Programs (OCIP) – General and Excess Liability
- Workers’ Compensation
- Pollution Legal Liability
- Owner’s Protective Professional Indemnity (OPPI)
- Builders Risk, including Delay in Completion
- Property and Equipment Breakdown coverage for mechanical and electrical failures
- Customized Business Interruption coverage, including protection for partial outages and waiting periods aligned with backup power capabilities
- Contingent Business Interruption coverage to address upstream fuel supply disruptions
- Delay in Startup coverage to protect revenue during construction and commissioning
- Cyber Liability coverage
- Technology Errors and Omissions insurance
- Network Security and Privacy coverage
- Equipment Breakdown coverage
- Incident Response and Forensic Expense coverage
- Parametric outage solutions designed to provide rapid payouts for short-duration power interruptions
- OEM warranty strategies to help backstop the performance of critical equipment
Additional Resources
Market Trends
Our 2026 report unites Brown & Brown and Risk Strategies resources, knowledge and proven experience to deliver stronger insurance solutions for commercial insurance, employee benefits and personal insurance.
Connect with Brown & Brown
Technology and data center environments require coordinated insurance strategies that align with evolving infrastructure, power dependencies, and regulatory expectations. Brown & Brown works with organizations to evaluate risk exposures across construction, ongoing operations, and behind-the-meter power systems, helping manage risk across the full lifecycle of their facilities while supporting long-term resilience. Connect with Brown & Brown to explore coverage options designed around your operational goals and organizational priorities.
