# Data Center Insurance Market > Data Center Insurance Market: USD 3.90 billion in 2026, USD 9.74 billion by 2035, an 11.91% CAGR from 2025, as AI campus construction lifts premiums. Publisher: DC Market Insights Author: Amit Jain, DC Market Insights Published: 2026-11-02 Last updated: 2026-11-02 Next review: May 2027 Page: https://www.dcmarketinsights.com/report/data-center-insurance-market ## Key takeaways - US Data Center Construction Doubles to a USD 96.46 Billion Annual Rate - Facilities Climb From USD 1.5 Billion to USD 5 Billion in a Year - Operators Self-Insure Earthquake and Windstorm - Insuring GPU Clusters Worth USD 30 Million per MW **Frequently Asked Questions** **What is the size of the Data Center Insurance Market in 2026?** USD 3.90 billion in 2026, up 23.28% from USD 3.16 billion in 2025, according to DC Market Insights estimates. The market is projected to reach USD 9.74 billion by 2035, a CAGR of 11.91% from 2025. **How fast is the data center insurance market growing?** 11.91% a year from 2025 to 2035, after 17.72% a year from 2020 to 2025, because new IT capacity rises from 12.0 GW to 27 GW a year while the construction rate softens from 0.52% to 0.36% of project value. **What does data center insurance cover?** USD 3.16 billion of 2025 premiums covered construction all risks and delay in start-up, operating property and business interruption, IT equipment, liability, Tech E&O and cyber, and cargo and parametric covers. Self-insured and captive-retained risks are not counted. **How much does data center insurance cost per MW?** About USD 27,250 per installed MW in 2025 across all lines, and 0.52% of project value for a construction all risks and delay in start-up policy, according to DC Market Insights estimates. A 100 MW AI campus pays about USD 5.3 million a year once operating. **Which data center insurance line grows fastest?** IT and electronic equipment, at 15.55% a year to USD 2.44 billion by 2035, because installed IT value rises from USD 11.0 million to USD 16.0 million per MW with AI racks. Liability, Tech E&O and cyber is the largest line. **How much insurance capacity is available for one data center?** Up to USD 5 billion from FM since January 2026 and up to USD 5 billion through Aon's lifecycle facility since July 2026. WTW said in July 2026 that the market can field up to USD 15 billion for one large risk. **Which region leads the data center insurance market?** North America, with 52% of 2025 premiums and USD 1.49 billion in the United States. The Middle East and Africa grows fastest at 18.36% a year, and Saudi Arabia is the fastest large country at 21.10%. **Why do data center operators self-insure?** About 20% of potential premium stays in captives because catastrophe cover is costly. Equinix self-insures its California and Japan sites against earthquake, and Digital Realty may stop buying earthquake, flood or windstorm cover where premiums exceed its value. **Who are the main data center insurers?** FM, Zurich, Chubb, AIG, Allianz Commercial, AXA XL, Munich Re, Swiss Re and Tokio Marine HCC lead, with Lloyd's consortia such as The Fidelis Partnership's USD 250 million facility. The five largest carriers write about 32% of premiums (DC Market Insights estimate). **Why do data center insurance market estimates differ?** USD 3.90 billion in 2026 counts only premiums placed with insurers for data center risks. Wider measures add captive retentions, colocation tenants' corporate programmes, power plants built for campuses and general cyber premiums, so they come out about three times larger. ## Dataset | Series | Value | Unit | | --- | --- | --- | | Market size 2025 | 3,160 | USD million | | Revenue CAGR | 11.91 | % | | Market size 2035 | 9,740 | USD million | ## Frequently asked questions ### What is the size of the Data Center Insurance Market in 2026? USD 3.90 billion in 2026, up 23.28% from USD 3.16 billion in 2025, according to DC Market Insights estimates. The market is projected to reach USD 9.74 billion by 2035, a CAGR of 11.91% from 2025. ### How fast is the data center insurance market growing? 11.91% a year from 2025 to 2035, after 17.72% a year from 2020 to 2025, because new IT capacity rises from 12.0 GW to 27 GW a year while the construction rate softens from 0.52% to 0.36% of project value. ### What does data center insurance cover? USD 3.16 billion of 2025 premiums covered construction all risks and delay in start-up, operating property and business interruption, IT equipment, liability, Tech E&O and cyber, and cargo and parametric covers. Self-insured and captive-retained risks are not counted. ### How much does data center insurance cost per MW? About USD 27,250 per installed MW in 2025 across all lines, and 0.52% of project value for a construction all risks and delay in start-up policy, according to DC Market Insights estimates. A 100 MW AI campus pays about USD 5.3 million a year once operating. ### Which data center insurance line grows fastest? IT and electronic equipment, at 15.55% a year to USD 2.44 billion by 2035, because installed IT value rises from USD 11.0 million to USD 16.0 million per MW with AI racks. Liability, Tech E&O and cyber is the largest line. ### How much insurance capacity is available for one data center? Up to USD 5 billion from FM since January 2026 and up to USD 5 billion through Aon's lifecycle facility since July 2026. WTW said in July 2026 that the market can field up to USD 15 billion for one large risk. ### Which region leads the data center insurance market? North America, with 52% of 2025 premiums and USD 1.49 billion in the United States. The Middle East and Africa grows fastest at 18.36% a year, and Saudi Arabia is the fastest large country at 21.10%. ### Why do data center operators self-insure? About 20% of potential premium stays in captives because catastrophe cover is costly. Equinix self-insures its California and Japan sites against earthquake, and Digital Realty may stop buying earthquake, flood or windstorm cover where premiums exceed its value. ### Who are the main data center insurers? FM, Zurich, Chubb, AIG, Allianz Commercial, AXA XL, Munich Re, Swiss Re and Tokio Marine HCC lead, with Lloyd's consortia such as The Fidelis Partnership's USD 250 million facility. The five largest carriers write about 32% of premiums (DC Market Insights estimate). ### Why do data center insurance market estimates differ? USD 3.90 billion in 2026 counts only premiums placed with insurers for data center risks. Wider measures add captive retentions, colocation tenants' corporate programmes, power plants built for campuses and general cyber premiums, so they come out about three times larger. ## How to cite Data Center Market Research & Consulting | DC Market Insights, "Data Center Insurance Market", updated 2026-11-02, https://www.dcmarketinsights.com/report/data-center-insurance-market