Energy & data infrastructureE&S market

Data center power & cooling

Companies building on-site power and cooling for data centers, including dew-point cooling systems and offshore nuclear-powered data centers, along with the monitoring and control software that runs them.

Why it needs cover

The exposure

These builds put novel power and cooling hardware, sometimes including a nuclear source, directly next to compute infrastructure worth hundreds of millions. A control-software fault or a cooling failure doesn't stay contained to the mechanical room; it takes the facility down.

What we place

Coverages this class usually needs

CGL with affirmative AI grantRequired (contract)

Third-party injury/property damage, written to satisfy owner no-AI-exclusion requirementsHyperscale and colo owner exhibits specifically require the AI exclusion removed

Products & completed operationsRequired (contract)

Claims from the power or cooling system's performance after commissioningA defect surfaces once the facility is live and loaded

Tech E&O / professionalRequired (contract)

Design, commissioning, and control-software errorsOwner exhibits commonly demand high professional liability limits

ExcessRequired (contract)

Limits above the primary programFacility values push total limits well above what one primary line carries

What it costs

National benchmark premiums

Rated on: Contract value and facility capacity (MW)

Full program

Quoted per program; driven by deployed fleet size, contracts, and limits.

Pricing figures are Risklytics program design targets, not published cost-guide data or quotes. Only construction & field robotics and warehouse & logistics robotics carry dollar figures, because Risklytics has built and priced real programs against them; every other class uses a qualitative pricing statement until a program is priced. Your premium depends on fleet size, contract structure, limits, deductible, and loss history.

Sources: Risklytics program design targets.

When it goes E&S

Where this risk gets hard to place

Owner insurance exhibits on hyperscale and offshore builds routinely specify no-AI-exclusion language and limits that exceed what admitted programs are built to carry, and a nuclear power source adds its own specialist market.

Contact

Talk to us about Data center power & cooling.

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