Aon has rapidly increased the capacity of its Data Center Lifecycle Insurance Program (DCLP) from $1.5 billion at launch in mid-2025 to $3.5 billion by April 2026. This growth reflects the significant influx of investment into AI-driven hyperscale data centers requiring full insurance coverage.
The DCLP offers a unified insurance solution that covers the entire lifecycle of data centers, addressing a previous industry challenge where developers had to piece together multiple policies for construction risks, operational hazards, business interruptions, and cyber threats. By consolidating these into one integrated policy, Aon eliminates coverage gaps and simplifies risk management for these complex facilities.
The expansions occurred in phases: the initial $1.5 billion capacity was raised to $2.5 billion by January 2026, followed by a further increase to $3.5 billion in April 2026. The program provides extensive coverage including Construction All Risks, Delay in Startup, operational property damage, business interruption, and cyber risks, with cyber coverage limits reaching up to $400 million per data center.
Data centers combine risks associated with large-scale construction projects, technology operations, and digital security, making them unique assets to insure. Aon's approach caters specifically to this complexity, which has become increasingly relevant amid the booming demand for cloud computing and AI infrastructure.
