Article

The construction of data centers in the US has dramatically increased, with 565 operational centers and 571 planned projects as of December 2025. Spending grew from $1.8 billion in 2014 to $28.3 billion in 2024.

Insurers face challenges with construction coverage, requiring capacity from multiple insurers. Cargo and logistics risks are compounded by supply chain pressures, with potential claims exceeding $1 billion for critical components.

As data centers evolve, risk profiles shift, necessitating careful insurance management throughout the project lifecycle. Power supply remains a significant constraint, with forecasts indicating data centers may consume 6-12% of all US electricity by 2028. Effective communication between insurance buyers and brokers is essential for managing project-specific risks.