Aon has announced a $1 billion expansion of its Data Center Lifecycle Insurance Program (DCLP), bringing total capacity to $2.5 billion.
The global brokerage said the move is a response to increased investment in cloud computing, artificial intelligence and digital infrastructure.
The DCLP, first launched in 2025, is a multi-line insurance solution designed to cover data center projects from construction through to ongoing operations. The program consolidates traditionally separate risk classes – including construction, cyber, cargo and operational risks – into a single coordinated insurance product.
"Managing risk throughout the data center lifecycle is a strategic imperative – these platforms drive innovation, connectivity and economic growth," said Greg Case, president and CEO of Aon. He added that building resilience into data center infrastructure is essential as these facilities become more complex.
The expanded program is intended to support investors, developers and operators as data centers grow in size and capital requirements. It integrates insurance capacity with risk engineering and analytics to help clients demonstrate resilience to stakeholders.
Industry observers have noted that a capacity gap exists in the insurance market that must be addressed as data center projects scale. A typical data center represents an investment of $500 million to $700 million in insurance coverage, with facilities expected to operate around the clock with zero tolerance for downtime.
Joe Peiser, CEO of commercial risk for Aon, noted that disruptions at data centers can have consequences that extend beyond individual facilities, affecting customers, supply chains and broader business operations.
"By expanding the capacity of DCLP, we are helping clients manage risk across the full lifecycle of a data center – from build-out to steady state operations, while supporting faster, more certain execution," Peiser said.
The program offers up to $2.5 billion in coverage for construction all risks, delay in start-up and operational property damage/business interruption. Cyber-related coverage, including cyber property damage and tech E&O, is available up to $400 million, encompassing business interruption and SLA violations.
Additional features include third-party liability coverage up to $100 million, excluding US exposures, and project cargo and transport insurance up to $500 million.
