Aon: Scaling Data Centre Insurance Cover as AI Demand Rises

Aon has increased the capacity of its Data Center Lifecycle Insurance Program (DCLP) to US$5bn, boosting available coverage for data centre projects as investment in AI, cloud and hyperscale infrastructure accelerates.

The firm says the expanded programme now brings together higher insurance limits with enhanced advisory and risk capabilities, supporting digital infrastructure assets from initial construction through to long-term operations.

According to Aon, the move reflects rising demand for sophisticated risk solutions as operators develop larger, more capital-intensive data centre portfolios to underpin AI workloads and cloud services.

Supporting larger developments

The upgraded programme extends insurance capacity across both construction and operational phases of the data centre lifecycle.

It offers up to US$5bn in Construction All Risks (CAR), Delay in Start-Up (DSU) and Property Damage and Business Interruption coverage, delivered via a panel of A-rated insurers across Lloyd’s and company markets, alongside additional facilities.

The programme also broadens liability, cyber and project cargo protections, 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 increasing capacity, Aon is extending its Reliable by Design framework to digital infrastructure.

The company says the programme now embeds insurance, engineering insight and risk intelligence earlier in the development lifecycle, aiming to strengthen resilience and mitigate risk before assets become operational.

Additional advisory capabilities are delivered via Aon Global Risk Consulting, including climate risk guidance, environmental risk solutions, security consulting, operational resilience expertise and risk engineering.

Responding to AI demand

Aon says the expansion aligns with growing investment in AI infrastructure, cloud computing and hyperscale data centres, which is driving demand for insurance solutions capable of supporting larger-scale projects.

The latest development builds on earlier enhancements that lifted DCLP capacity to US$3.5bn, while also extending support for operational facilities.

As data centre projects increase in both scale and complexity, operators are placing greater focus on comprehensive risk management across the full lifecycle – from construction through to ongoing operations.

Aon’s latest expansion is designed to meet these needs by combining higher insurance capacity with integrated advisory services.