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Data centre insurance
Insurance and risk management for data centre construction, operators and investors
Why choose Howden?
We're a specialty‑led broker defined by deep expertise and a consistent ability to deliver answers to complex risk problems.
Experienced multi-disciplinary team
Our global, specialist data centre team brings together our best talent across construction, cyber, property, real estate, casualty, energy and financial lines.
With an in-house, multilingual team of insurance specialists, lawyers, engineers and natural catastrophe experts, we're ready de-risk the whole process, right from the funding stage.
Worldwide knowhow
Our breadth of experience gives us a clear understanding of regional risk profiles, local market nuances, and the insurance structures required to support complex, capital‑intensive assets.
As a result, we’re able to deliver consistent, informed advice wherever our clients are deploying critical national infrastructure.
Tech-enabled insight
With consistent investment in technology, data and analytics, we boast some of the leading data science capabilities in the market, allowing us to monitor market dynamics, model risks, and assess pricing ourselves.
Strong negotiating power
As a top 10 global broker, and the third biggest producer to Lloyd's of London, we're on the front foot in negotiations, pushing hard to get you what you need.
What differentiates Howden is the ability to bring a clear, structured approach to complex risks. Through Howden's five-step data centre methodology, they guided us from initial risk discovery through to programme structuring and ongoing risk improvement. The clarity of this approach provided us with confidence at every stage, from risk identification through to claims certainty.
Recent experience
Please note in some instances the experience may have been gained while working for an alternative employer.
Hyperscale data centre in the USA
$1.6bn insurance programme for a hyperscale data centre in the southern states.
Hyperscale colocation site in the UK
$1.5bn programme for a hyperscale colocation site in the south of England.
$100m electrical and mechanical fit out in Spain
Delivering a bespoke programme for a construction contractor working on a major data centre in Spain.
Edge facilities in India
Creating a programme for multiple data centres across the country.
Hyperscale data centre in Japan
Insurance and risk management plans for a $1bn data centre in Japan.
Large Scandinavian data centres
Designing programmes for large data centres in Denmark, Finland, Iceland and Sweden.
Products and services
A snapshot of the insurance products and advisory services we offer data centre clients.
It's never too early to think about risk
Rather than treating insurance as a late-stage transaction, we engage early to support sponsors and investors with due diligence before cover is placed, and throughout the asset life cycle.
Our combined expertise and bespoke programme design will help you:
- De-risk project financing and boost bankability
- Safeguard the construction and operational stages
- Achieve a clean exit
By aligning project structure, contractual risk allocation, and insurer expectations from the outset, we improve placement, avoid coverage gaps, and support bankable project outcomes. This early integration reduces friction at financial close, and enhances long-term insurability across data centres and associated power and infrastructure assets.
Specialist expertise in natural catastrophe and climate risks
Natural catastrophe risk is a key consideration for data centre financing, underwriting, and long-term resilience.
Standard insurer models can struggle to capture project-specific design features, site characteristics, and the interaction between physical risk and operational resilience.
Our natural catastrophe specialists translate technical design, location data, and operational parameters into catastrophe modelling, risk engineering assessments, and extreme loss analysis. This enables an asset-level view of exposure and supports underwriting discussions with insurers. We assess both acute natural hazards and longer-term climate trends to help clients understand future risk and insurability over the life of the asset.
By integrating natural catastrophe insight early in the advisory process, we support stronger credit outcomes, risk transfer strategies, and confidence for sponsors, investors, and lenders as climate conditions evolve.
Key insurance products throughout the life cycle
- Capital
- Environmental
- Natural catastrophe and climate risks
- Parametrics
- Permit challenge
- Project finance replacements (EBFs)
- Short-term credit
- Surety (bonds)
- Warranty and indemnity (W&I) / mergers and acquisitions (M&A)
- Building regulations consent
- Directors and officers (D&O)
- Judicial review policy
- Natural catastrophe and climate risks
- Parametrics
- Pollution liability
- Pollution risks
- Property owners liability
- Restrictive covenants
- Right of lights policy
- Casualty
- Construction all risks (CAR)
- Constructional plant and equipment (CPE)
- Contractual financial loss
- Latent defects/new homes warranty
- Parametrics
- Professional indemnity (PI)
- Property
- Rent/revenue/profit (DSU)
- Terrorism
- Casualty
- Cyber
- Engineering inspection
- Liability
- Loss of rent
- Natural catastrophe and climate risks
- Parametrics
- Political violence (war and terrorism)
- Professional indemnity (errors and omissions)
- Property owners
- SLA
- Casualty
- Cyber
- Directors and officers (D&O)
- Engineering inspection
- Liability
- Loss of rent
- Natural catastrophe and climate risks
- Parametrics
- Political violence (war and terrorism)
- Pollution liability
- Professional indemnity (errors and omissions)
- Property owners
- SLA breach
- Absence of easement
- Adverse possession
- Chancel repair/manorial rights policies
- Lack/delay in searches
- Land acquisition or development finance
- Litigation
- Mines and mineral rights policy
- Tax risk
- Warranty and indemnity (W&I)