Signal
Construction risk — data centres viewed through an insurance lens
Insurers increasingly treat data centres as high-value, high-aggregation risks. This affects contract terms, claims handling, and ultimately project feasibility.
Reader guide
How to read this Signal
Evidence → Uncertainty → Trigger → Decision implication
Each Signal separates the sourced change from what remains uncertain, identifies the trigger to watch and states why it matters to a decision.
See the full Approach →Decision-relevant statements
Key points
What the evidence indicates for the decision.
- →High aggregation increases tail risk and can tighten underwriting terms.
- →Contracting can misallocate risk if insurance assumptions are outdated.
- →Claims processes can materially affect operational continuity after incidents.
Control
Actions
Practical next steps if this Signal touches your mandate.
- 01Bring insurer appetite and wording review into early-stage diligence.
- 02Audit contract risk allocation versus actual policy coverage.
Source record
Sources and evidence
Publication and access dates are shown with the source record.
- 01Lloyd’s — Data centre risk resources (topic hub) — Published: n/a • Accessed: 12 September 2025
Decision brief
Discuss how this affects your decision
We can pressure-test assumptions and map the next verification steps.