01 December 2025 | Insight
To maximise your opportunity to negotiate most favourable insurance terms, it is imperative for data centre owners & operators to demonstrate robust risk management across all aspects of their operations.
That’s why we’ve compiled 15 practical strategies spanning design, governance, and operations which could help you elevate your insurance profile and improve premium competitiveness.
Ensure MSAs and leases clearly outline scope, exclusions, and remedies. This reduces ambiguity and limits insurer exposure.
Example: Cap service credits and exclude indirect consequential loss.
Use independent sign-off protocols to minimise latent defects and structural risk.
Example: Third-party validation of cooling and power systems before handover.
Redundant systems and incident response protocols reduce business interruption risk.
Example: Dual power feeds and automated failover systems.
Proactive documentation signals maturity and control.
Example: Quarterly risk committee reviews and incident logs.
Use indemnities and subcontractor insurance requirements to protect your position.
Example: Mandate PI cover for design subcontractors.
Human error can be costly: education improves response and resilience.
Example: Annual training on emergency protocols and client communications.
Transparency builds underwriting confidence.
Example: Provide scenario modelling and recovery plans during renewal.
Certifications signal a strong control environment.
Example: Annual ISO 27001 audit and SOC 2 Type II report.
Simulations reduce the impact and duration of outages.
Example: Power failure recovery drills.
Structured updates prevent configuration errors and downtime.
Example: Change Advisory Board (CAB) approval process for infrastructure changes.
Subcontractor failures can cascade – stay ahead.
Example: Annual review of vendor SLAs and insurance certificates.
Access control and surveillance reduce theft and breach risk.
Example: Biometric access and CCTV in critical zones.
Site selection matters: climate resilience is key.
Example: Avoid flood zones and install water ingress sensors.
Clear thresholds reduce disputes and claims.
Example: 99.99% uptime SLA with defined remedies.
Post-incident reviews demonstrate maturity and reduce repeat events.
Example: Root cause analysis and corrective actions.
At Price Forbes, we don’t just insure infrastructure, we empower operators to tell a stronger risk story. These strategies offer a blueprint for resilience, clarity, and control. Whether you're preparing for renewal or future-proofing your operations, we’re here to help you turn risk into advantage.
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