Data-center insurance premiums could reach $20–30bn annually by 2030, Swiss Re projects
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The insurance market is positioning for a substantial expansion in data-center coverage as AI infrastructure drives larger and more capital-intensive hyperscale facilities. Swiss Re projects global annual data-center insurance premiums could reach $20–30 billion by 2030.
- Swiss Re projects global annual data-center insurance premiums of $20–30 billion by 2030.
- S&P Global estimates that up to $10 billion in new data-center insurance premiums could arise in the current year.
- Individual AI data centers are reported to be valued at more than $20 billion in some cases.
- Hyperscale risk structures may increasingly draw on external capital.
- Some technology companies may retain substantial data-center risk rather than buy full insurance coverage.
- Growth could fall below projections if political backlash against the AI boom constrains infrastructure development.
Swiss Re expects global annual premiums for data-center insurance to reach $20–30 billion by 2030, according to the cited report. S&P Global separately estimates that up to $10 billion of new data-center insurance premiums could emerge in the current year. These assessments are relayed by a single source in the supplied material and have not been independently confirmed here.
The opportunity is being shaped by large-scale data-center construction in the United States and the broader build-out of AI infrastructure. The report states that individual AI data centers can often be valued at more than $20 billion, creating unusually large and concentrated exposures for insurers and brokers.
Insurers and brokers are developing mechanisms intended for hyperscale data-center risks, including structures that use external capital. These approaches reflect the scale and complexity of insuring large AI data-center facilities.
Technology companies may also choose not to purchase full insurance coverage because of its cost, retaining a substantial portion of exposure on their own balance sheets. For operators and investors, this makes insurance terms, coverage availability and retained-risk requirements potentially important factors in the economics of developing and operating major AI data-center assets.
More broadly, insurance could become a meaningful adjacent market within the data-center value chain. As capital becomes more concentrated in AI campuses, demand could extend beyond conventional property cover toward specialised risk-sharing structures and external insurance capital. However, premium growth could fall below projections if political backlash against the AI boom affects the pace or scale of infrastructure development.
As capital concentration rises in AI data-center campuses, insurance availability and pricing could become material inputs to project economics and operating risk management. The market may increasingly require specialist risk-transfer structures and external insurance capital, particularly where technology companies retain significant exposure on their own balance sheets.
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