Lockton Launched Insurance Program for Data Centers
The program provides dedicated capacity for transition periods between construction and operational stages.
Updated on Sept. 23, 2026 in Data Centers
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Lockton has launched a builders risk and property program designed for data center owners, developers, and investors. The initiative secures capacity from a panel of global insurance carriers to bridge coverage gaps during phased project completion.
Why it matters
Data center developments often face significant insurance coverage gaps when transitioning from active construction to partial operation. This program specifically targets that operational pivot to ensure continuous protection as projects scale.
The program offers $6 billion in builders risk capacity and $7.5 billion in operational property capacity. It provides coverage for sites transitioning into operational phases while concurrent construction activities remain ongoing.
The players
Lockton
A global professional services firm specializing in risk management, insurance, and employee benefits.
Data Centers and Digital Infrastructure Practice
A dedicated unit within Lockton focused on insuring large-scale digital architecture and physical infrastructure.
The details
The program, developed by the Data Centers and Digital Infrastructure Practice, allows for a fluid transition in policy coverage as facilities reach operational status. By consolidating coverage for both construction and operational stages, it addresses the risk of under-insurance during the site commissioning process. A panel of global insurance carriers supplies the underwriting capacity for these combined assets.
Timeline
September 23, 2026: Lockton launched the insurance program.
The Tech Race
As data centers grow in scale and complexity, the insurance market is shifting away from generic construction policies toward specialized products. This offering competes with traditional bespoke insurance placements by providing a standardized, high-capacity framework for global infrastructure.
Developers and investors can now utilize a streamlined coverage model that remains constant as their hardware halls come online. This change effectively replaces the need for separate construction and property policies, potentially simplifying the project commissioning timeline.
The takeaway
The program highlights the increasing focus on the operational lifecycle of digital infrastructure. Investors and developers should track how this capacity impacts project financing costs during the crucial commissioning phase.
Further reading
For broader trends in infrastructure management, explore our Data Centers section.
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