Aon plc has expanded its proprietary Data Center Lifecycle Insurance Program (DCLP) by an additional $1 billion, taking total capacity to $3.5 billion. The move extends the program beyond construction phases to include operational data centers transitioning into steady-state environments.
The expansion introduces continuity across the full lifecycle of data center assets, ensuring coverage persists after the first year of operations. This shift aligns with rising demand for integrated risk solutions as infrastructure investments scale in both size and complexity.
The updated DCLP framework now supports mission-critical data center assets throughout long-term operations. Clients benefit from a unified insurance structure that spans construction, commissioning, and ongoing performance phases. As a result, operators gain improved certainty in securing capacity while managing increasingly capital-intensive deployments.
The lifecycle approach reflects structural shifts in digital infrastructure. Data centers now operate as foundational economic assets, requiring risk strategies that evolve alongside their operational maturity.
Executive Perspective on Infrastructure Risk
“Data centers have become foundational to innovation, connectivity and economic growth,” said Joeseph Peiser. “As these assets grow in size, complexity and importance, resilience must be built from the start. By expanding our Data Center Lifecycle Insurance Program and extending coverage to operating data centers, Aon is helping clients anticipate risk, protect critical assets and invest in digital infrastructure with greater confidence.”
Launched in June 2025, DCLP was designed as a multi-line insurance solution addressing construction, operational, cyber, and financial risks. The latest expansion follows accelerating global investment in cloud computing, artificial intelligence, and hyperscale infrastructure.
Moreover, resilience has become a central requirement as data centers grow larger and more interconnected. Insurance structures now play a strategic role in enabling financing, safeguarding uptime, and ensuring operational continuity.
Comprehensive Coverage Across Risk Categories
The program offers a broad suite of protections structured to address diverse risk exposures across the data center lifecycle. Coverage includes construction of all risks, delay in start-up (DSU), and operational property damage with business interruption protection, reaching up to $3.5 billion in total capacity. Cyber and technology errors and omissions coverage extends up to $400 million, incorporating non-damage cyber DSU and ransomware protection.
Third-party liability coverage reaches $200 million globally, including $100 million in U.S. excess capacity. In addition, project cargo and transport insurance is available up to $500 million. Risk engineering and cyber impact modeling services are delivered through Aon’s Global Risk Consulting team, while underwriting capacity is supported by a global panel of A-rated or higher insurers across Lloyd’s and company markets.
Aon’s integrated Risk Capital model combines insurance capacity, analytics, and advisory expertise to address the complexities of digital infrastructure investment. Consequently, clients can align risk transfer strategies with financing and operational objectives across large-scale deployments.
The expansion of DCLP underscores a broader industry shift. Insurance is no longer a peripheral safeguard but a core enabler of infrastructure growth, supporting capital allocation decisions in an increasingly digital global economy.
