ISR Insurance for Data Centres
Industrial Special Risks cover for data centre facilities, server farms, and critical IT infrastructure. Protection for high-value electronic assets and the revenue they generate.
ISR
Specialist
All Risks
Cover Basis
15+
ISR Markets
Recognition
Data centres are unlike any other commercial property. The value is in the electronic equipment, not the building - and downtime is measured in dollars per minute, not days.
Why Standard Products Fall Short
Data centres flip the usual property insurance equation. In most commercial buildings, the structure is the main asset. In a data centre, the servers, networking equipment, UPS systems, and cooling infrastructure can be worth more than the building itself.
The ISR Difference
Standard commercial property products aren't designed for this. They don't properly value electronic equipment, they don't understand the BI exposure from even a few hours of downtime, and they typically don't cover the specialised fire suppression and environmental control systems that data centres rely on.
Individually Underwritten
ISR provides the individually underwritten cover that data centre operators need. The policy can be structured around the actual asset profile - heavy on electronic equipment and machinery breakdown, with BI calculated on the revenue impact of downtime rather than standard gross profit formulas.
WHY ISR FOR DATA CENTRES
What makes data centres an ISR risk
Data centres combine high-value electronic assets, critical uptime requirements, and specialised building systems. ISR underwriters have the capacity and expertise to cover what standard products can't.
01
Electronic Equipment as Primary Asset
Servers, networking, storage systems are the main exposure. ISR can properly value and cover these as the primary insured asset rather than treating them as contents in a building.
02
Downtime-Based Business Interruption
BI for data centres needs to be calculated per hour of outage, not standard gross profit. The revenue impact of even a brief outage can be enormous. ISR allows this to be structured properly.
03
Specialised Building Systems
Redundant power, UPS, generator backup, precision cooling, gas-based fire suppression - all need machinery breakdown cover under ISR.
04
Environmental Control Criticality
Temperature and humidity control failure can destroy equipment in hours. ISR machinery breakdown covers these systems against sudden failure, protecting the assets they keep running.
RISK PROFILE
Key Risks for Data Centre Facilities
Data centres face a unique set of exposures driven by their reliance on power, cooling, and electronic infrastructure. Understanding your risk profile helps us present your facility to the right ISR markets.
COVERAGE DETAILS
What ISR Covers for Data Centres
ISR works on an all-risks basis - rather than listing what's covered, it lists what's excluded. This typically provides broader protection than standard named-perils products.
Usually Covered
Not Typically Covered
QUESTIONS
Data Centre ISR Insurance FAQs
Need ISR Cover for Your Data Centre?
From colocation facilities to enterprise server farms. We place ISR cover structured around electronic assets, machinery breakdown, and downtime-based business interruption.