Aon Expands $5bn Data Centre Insurance Programme

Aon has expanded its Data Center Lifecycle Insurance Program (DCLP) to US$5bn, increasing the insurance capacity available for data centre developments as AI, cloud and hyperscale investments continue to grow.

The professional services firm says the programme now combines larger insurance limits with broader risk and advisory services to support digital infrastructure projects from construction through long-term operations.

The company says the expansion reflects growing demand for risk solutions as operators build larger and more capital-intensive data centre portfolios to support AI workloads and cloud services.

Supporting larger developments

The enhanced programme increases available cover for construction and operational risks across the data centre lifecycle.

It provides up to US$5bn of Construction All Risks (CAR), Delay in Start-Up (DSU) and Property Damage and Business Interruption cover through a panel of A-rated insurers from Lloyd's and company markets, alongside other insurance facilities.

The programme also includes expanded liability, cyber and project cargo cover, including up to:

• US$200m in third-party liability outside the US
• US$100m within the US
• US$400m in Cyber and Technology Errors and Omissions cover
• $500m in project cargo protection
• Up to $1bn of terrorism cover is also available through Aon's existing facilities

"Digital infrastructure has become one of the most important and capital-intensive asset classes in the global economy,” says Joe Peiser, CEO of Risk Capital for Aon.

"As clients build larger and more complex data centre portfolios, they need access to greater insurance capacity alongside solutions that strengthen resilience throughout the asset lifecycle. Expanding DCLP to US$5bn demonstrates our ability to help clients access capital, manage risk and scale with confidence."

Developing the Reliable by Design approach

Alongside the increase in insurance capacity, Aon is extending its Reliable by Design approach to digital infrastructure.

The company says the programme now integrates insurance capacity with engineering expertise and risk intelligence earlier in the development process, with the aim of improving resilience and reducing project risk before facilities become operational.

Additional advisory services are delivered through Aon Global Risk Consulting and include climate risk advisory, environmental risk solutions, security risk consulting, operational resilience expertise and risk engineering.

Responding to AI demand

Aon says the expansion comes as investment in AI infrastructure, cloud computing and hyperscale data centres increases demand for insurance solutions capable of supporting larger digital infrastructure projects.

The latest update builds on previous enhancements that increased DCLP capacity to US$3.5bn while broadening support for operational data centres.

As data centre developments continue to increase in scale and complexity, operators are placing greater emphasis on risk management throughout the development process, from construction through to long-term operation.

Aon's latest expansion is designed to provide both higher insurance capacity and advisory services that address those requirements across the full asset lifecycle.