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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)
Meet the team
Chief Commercial Officer, Global SpecialtyEdward Howland-Jackson
LinkedInChief Commercial Officer, Global SpecialtyEdward (Ed) Howland Jackson is the Chief Commercial Officer, Global Specialty. In this role, Ed is responsible for driving strategy, capability development, and growth plans across all areas of the business, ensuring alignment with the 2030 plan.
Previously, Ed was Head of Global Carrier Management, responsible for the management and development of all strategic carrier partnerships across the group, in line with Howden’s expansion.
Prior to joining Howden, Ed spent over 15 years in the industry, working at broking firms such as Marsh, JLT, and Willis; seven of those years were spent in Asia, based in Singapore. Before entering the insurance industry, Ed spent seven years in the British Army, serving on operations at home and abroad with The Household Cavalry Regiment, he left the Army as a Captain.
Managing Director & Global Practice Leader of Construction & Infrastructure AssetsManaging Director & Global Practice Leader of Construction & Infrastructure AssetsNaresh joined Howden as Managing Director in January 2021 to establish and lead the Construction & Infrastructure Assets division, also serving as our Global Practice Leader. The division was successfully launched in October 2021, with the Global Practice following in June 2024. Under Naresh's leadership, the division has grown to include over 90 professionals in London and an additional 180 colleagues globally, providing services to contractors, developers, and infrastructure funds worldwide.
Naresh holds a first-class BA (Hons) degree in Risk Management from Glasgow Caledonian University. He is also a Fellow of the Chartered Insurance Institute and a certified Fellow of the Institute of Risk Management.
Global Head of Advisory & Client Solutions, Global SpecialtyDeborah Duss
LinkedInGlobal Head of Advisory & Client Solutions, Global SpecialtyDeborah is the Global Head of Advisory & Client Solutions at Howden, leading a multidisciplinary practice that delivers bespoke risk, insurance and strategic advisory support across the pre and post financial close phases of major projects in critical infrastructure, energy, power & renewables, and marine & offshore.
She joined Howden in October 2018 from Swiss Re, bringing more than 15 years of underwriting experience in the global energy sector, with a particular focus on IPPs, utilities and renewable energy. She has extensive expertise in offshore wind, having developed Swiss Re’s offshore wind rating model for construction and operations in 2010, helping to shape the company’s early position in the sector.
Before assuming her current global leadership role, Deborah headed Howden’s Global Renewable Energy team. She holds an MSc in Energy Management.
Chair, Howden CyberShay Simkin
LinkedInChair, Howden CyberWith over 35 years in insurance broking across Israel and Europe, Shay has been actively involved in the evolution of cyber and technology insurance since its earliest days. In 1997, he founded InsurTec.com, one of the first brokers globally to introduce dedicated cyber and technology insurance solutions and contribute to the drafting of early cyberspace insurance policies.
Beyond cyber insurance, Shay's work sits at the intersection of insurance, technology, and financial innovation. He regularly publishes and speaks internationally on topics including cyber risk, AI-driven threats, InsurTech, digital distribution, and the critical role technology plays in the future development of insurance markets. He’s a frequent speaker and panellist at global cyber, technology, and insurance conferences.
Under Shay's leadership, Howden’s cyber practice has strengthened its global market position and received multiple industry recognitions for innovation, growth, and thought leadership. In 2017, he was named Cyber Risk Industry Person of the Year (International) by Advisen’s Cyber Risk Awards.
Chief Client Officer, AsiaHamish Ravindran
LinkedInChief Client Officer, AsiaHamish Ravindran is the Chief Client Officer for Howden Insurance Brokers Asia, responsible for leading the growth and retention of large, complex, and multinational clients across the region. He brings extensive data centre underwriting experience, providing technical and coverage insight during complex or contentious claims, helping interpret policy intent, anticipate insurer positions, and strengthen claim defensibility. Prior to joining Howden in 2025, he was Vice President, Client Service Manager and Head of Underwriting for FM Global in Asia, where he managed profitability, retention, and growth of the regional portfolio for five years. Earlier in his career, he worked as a Commissioning Engineer with Malaysia’s power utility company, Tenaga Nasional Berhad, giving him strong technical grounding in large-scale infrastructure operations
Executive Vice President, Head of Natural ResourcesStuart Adam
LinkedInExecutive Vice President, Head of Natural ResourcesStuart serves as the Head of U.S. Natural Resources, where he leads the firm’s national strategy and client service approach across the Howden US energy practice. Stuart oversees the specialty division's producers, account teams, and technical experts, ensuring clients benefit from consistent, innovative, and market leading insurance solutions. He has 34 years’ experience as a front-line client executive while also performing executive management responsibilities for one of the largest energy practices in the country. His client experience spans all energy industries and all property and casualty lines. Notable client experience includes leading broker strategy for NextEra Energy, Dominion Energy, Strata Solar, NRG, NFG, Southwest Gas and Spire.