Insurance for the infrastructure behind AI
A modern AI training rack pulls up to 132 kW, roughly 16x a typical enterprise rack's 8 kW. We place property, business interruption, and equipment breakdown coverage sized for that density, not a decade-old risk model.
Sized for data center risk, not a generic commercial intake form.
What insurance does a data center need?
A data center needs property coverage for the building, racks, cooling and power systems, business interruption for lost income during an outage, equipment breakdown for generators, UPS systems and chillers, general liability, and cyber liability. Standard commercial policies often underprice or exclude data center density and equipment risk, so placement increasingly runs through E&S markets. Alton Risk places these programs.
The numbers underwriters are re-pricing around
AI-driven density and value growth have moved faster than standard commercial policies were built for.
Peak draw of a modern AI GPU rack (Nvidia GB200 NVL72), about 16x a typical enterprise rack's 8 kW.
Uptime Institute, 2025 to 2026
How much the average insured data center project's value has grown in five years, per Zurich's global head of construction and surety.
Risk & Insurance, May 2026
Of major data center outages in 2026 cost over $100,000; 1 in 5 topped $1 million.
Uptime Institute Annual Outage Analysis, 2026
Projected growth of the global data center insurance market by 2030.
Swiss Re Institute, sigma insights, Aug 2026
Sources: Uptime Institute Journal, Electrical considerations with large AI compute · Uptime Institute, Annual Outage Analysis 2026 · Risk & Insurance, data center insurance capacity strained · Swiss Re Institute, sigma insights: insuring AI data centre risks.
A bindable quote in three steps
Built for operators who need coverage sized to their facility, not a generic commercial policy.
Tell us your facility type, insured value, and rack density.
We match you to E&S markets with real capacity for large-value data center risk, since standard carriers increasingly cannot cover these projects to full value.
Get quote options before your next lease signing or build milestone.
Get coverage sized to your facility
Coverage built for high-density infrastructure
Five lines that together address the physical, financial, and liability exposure of running a data center.
Property
Physical damage to the building, server racks, cooling systems, and power infrastructure. Fire alone causes 10.9% of data center loss events but 42.3% of loss costs, so it is the exposure where sizing matters most.
Business Interruption
Lost income and continuing expenses if an outage, fire, or equipment failure takes your facility offline.
General Liability
Third-party bodily injury or property damage claims arising from your facility or operations.
Cyber Liability
Costs from a data breach, network security failure, or system outage affecting the data or systems you host.
Equipment Breakdown
Mechanical or electrical failure of generators, UPS systems, chillers, and other critical equipment that standard property policies often exclude, the systems Uptime Institute names as the leading cause of major outages.
Go deeper
Data center property insurance: what is covered
How property coverage treats the building, the racks, the cooling and the power plant.
Business interruption insurance for data centers
How downtime is measured, what waiting periods cost and why contracts drive the number.
Equipment breakdown insurance for data centers
The coverage for generators, UPS systems and chillers that property forms leave out.
Why insurance capacity for AI data centers is tight
Project values, density and concentration are testing how much risk insurers will take.
Common questions from data center operators
Does standard commercial property insurance cover data centers?
Standard policies often underprice or exclude the density and equipment risk specific to data centers. A policy sized for a typical office or warehouse rarely accounts for the concentration of value per square foot, or for equipment like UPS systems and precision cooling that a generic property form may not fully address.
What is business interruption coverage for a data center?
It covers lost income and continuing expenses if an outage, fire, or equipment failure takes your facility offline: the revenue and contractual exposure from downtime, not just the physical repair cost.
Is coverage different for AI-focused data centers versus traditional ones?
Higher power density and cooling demands from AI workloads can change the risk profile: more equipment value concentrated per rack, more reliance on cooling and power systems staying online, and often higher business interruption exposure per hour of downtime.
Do I need Equipment Breakdown coverage if I already have Property insurance?
Generally yes. Property policies typically respond to fire, water, and similar perils, but often exclude mechanical or electrical breakdown of equipment like generators, chillers, and UPS systems, which is exactly the equipment a data center depends on most.
Why is data center insurance capacity so tight right now?
Average insured project values have grown from roughly $150 million to $3 billion over five years, and Zurich's global head of construction and surety has said there is not enough insurance capacity in the market to insure these projects to their full value. That is why placement increasingly runs through E&S markets rather than standard commercial carriers.
Who places data center insurance at Alton Risk?
Alton Risk is a commercial insurance brokerage founded in 2026 by former carrier-side underwriters. It places property, business interruption and liability coverage for data center and AI infrastructure operators with specialist markets.
Built by operators, not outsiders
Alton Risk Insurance Services is a commercial insurance brokerage for companies building the future. It was founded in 2026 by Sophia Zaller, and the carrier-side underwriting experience behind our placements is the reason we know what a market will and will not accept. Technology speeds up our work, and the judgment comes from people who have priced and placed these risks.
Also serving colocation operators and tenants and physical AI and robotics companies at insurecolocation.com and insurephysicalai.com.
Tell us about your facility
It takes about a minute, and a broker follows up by email with quote options.