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.
These insurance policies cover common risks for data centers.
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.
This policy helps data centers financially survive data breaches and cyberattacks. It's strongly recommended for any business that handles personal information.
This policy covers basic third-party data center business risks, such as physical damage to a client's property. It's often required for a commercial lease.
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.
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.
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.
A data center with only a few employees will pay less for insurance than a larger business.
Factors that affect technology insurance premiums during underwriting include:
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:
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.
Hear from customers like you who purchased small business insurance.
Review answers to frequently asked questions (FAQs) about data center insurance policies and more.
Data center business owners might think their business is low-risk compared to others. Unfortunately, even a trivial lawsuit can still have a serious impact on your business, whether you're just starting your business or are well established.
Here’s a closer look at some key insurance products and why you should carry them:
Carrying the right insurance coverage makes it easier for data center businesses to protect their livelihoods and qualify for contracts and leases. Depending on your state, some policies are required by law.
In most cases, workers' compensation coverage and commercial auto insurance may be required if you have employees and own a business vehicle. If your IT infrastructure business doesn't have employees or uses personal vehicles for work, your insurance requirements will differ in that you won't be required to obtain workers' comp and will need HNOA insurance instead of commercial auto.
Even when not required by law or regulations, there are several reasons why data center insurance is important:
Much like other tech companies, data center companies aren't required by law to carry professional indemnity insurance. However, it should be a key component of your business continuity plan.
Professional indemnity insurance, also called professional liability insurance or errors and omissions (E&O) insurance, protects you in the event a client files a lawsuit against your data center business for an error, mistake, or professional negligence.
You can bundle professional liability insurance for data center businesses with cyber insurance into a technology professional liability policy, which is more commonly referred to as tech E&O. This would be a more affordable insurance option than purchasing the policies individually.
When buying tech E&O and cyber insurance, you may come across the following terms:
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.
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 from leading insurance companies 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.