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Data Center Insurance
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Why do data centers need insurance?
A system crash or prolonged outage could cost your clients a lot of money and place you at risk of a lawsuit. Business insurance covers legal expenses when a client sues over lost data or failure to provide managed services. It can also cover injuries, fires, data breaches, and auto accidents.
One application, multiple quotes
With Insureon, data center operators can compare insurance quotes from top U.S. providers. One easy online application is all it takes.
Got questions? A licensed insurance agent is on hand to answer questions about your unique insurance needs.
What types of insurance coverage do data centers need?
These insurance policies cover common risks for data centers.
Technology errors and omissions insurance
Tech E&O covers legal expenses related to your work performance, such as a client who sues over a data center outage. It's also referred to as professional liability insurance.
BEST FOR
- Downtime and data loss
- Data breach lawsuits
- Breach of a service level agreement (SLA)
Cyber insurance
This policy helps data centers financially survive data breaches and cyberattacks. It's strongly recommended for any business that handles personal information.
BEST FOR
- Client notification expenses
- Fraud monitoring costs
- Data breach investigations
General liability insurance
This policy covers basic data center business risks, such as accidental damage to a client's property. It's often required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Fidelity bonds
Fidelity bonds compensate your clients if an employee at your data center steals from them or commits fraud. Your clients might require you to purchase a bond.
BEST FOR
- Unlawful data access by an employee
- Unauthorized money transfers
- Other employee theft or fraud
Workers’ compensation insurance
Most states require workers' comp for data centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from workplace injuries
Commercial auto insurance
This policy covers the cost of an accident involving a vehicle owned by your data center. Most states require this coverage for business-owned vehicles.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Looking for different coverage? See more policies.
How much does technology business insurance cost?
A data center with only a few employees will pay less for insurance than a larger business.
Factors that affect premiums include:
- IT specialty, such as managed service provider (MSPs), web hosting, or cloud computing
- Business operations
- Business property and equipment
- Types of insurance policies purchased
- Policy limits and deductibles
- Claims history
How do I get data center insurance?
It's easy to get business insurance for data centers if you have your company information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your data center, whether you work independently or hire employees.
Common questions about data center business insurance
What other insurance policies do data centers need?
Even with IT infrastructure redundancies and careful risk management, it’s impossible to eliminate every vulnerability. Depending on the specifics of your data center, you may want to consider additional policies, such as:
- Business owner's policy (BOP): A BOP combines general liability coverage with commercial property insurance at a discount. It protects against common lawsuits and business property damage.
- Business interruption insurance: This policy helps cover day-to-day operating expenses and lost profits in the event of a temporary closure due to a natural disaster or other covered property claim. It's often included with a BOP or property insurance.
- Employment practices liability insurance (EPLI): EPLI covers legal costs from employment-related lawsuits, such as an allegation of unfair hiring practices or wrongful discipline.
What's the difference between first-party and third-party cyber liability insurance?
When buying tech E&O and cyber insurance, you may come across the following terms:
- First-party cyber liability insurance: This coverage covers cyber risks at your own business, such as a data breach that exposes your customer's email addresses or other personal information stored by your business. It's also called data breach insurance.
- Third-party cyber liability insurance: A third-party cyber policy covers your responsibility for cyber risks that harm another business. For example, your data center might offer security services to your clients. If a weakness in that security causes your client's data to be exposed, then your data center could be held liable for the breach.
You can typically add first-party cyber coverage to your general liability insurance or business owner's policy. Third-party cyber coverage is included in tech E&O insurance, which bundles cyber insurance with errors and omissions insurance.
How can I save money on data center insurance policies?
The insurance industry has a wide range of pricing for the same policies, which is why it's important to shop around. You can start by comparing free business insurance quotes with Insureon.
Our licensed insurance agents can help make sure you get the right, most affordable coverage for your data center. Most small businesses can get insured and download a certificate of insurance within hours of applying for quotes.
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