AI Data Center Insurance Program Review Checklist

FOR Owners, CFOs, project executives and insurance managers

Assemble the project and ownership record

Identify all relevant entities, locations, operating roles and insurable interests. Record whether the campus is planned, under construction, partially occupied or operating. Gather the site plan, single-line diagram, cooling diagram, construction schedule and phase handover register.

Prepare asset values by building, hall, shared plant, offsite storage and transit exposure. Separate owner, operator, tenant, lessor and supplier property. Include equipment in work in progress and critical spares. Record the date and basis of each value so the review does not confuse accounting cost with current replacement assumptions.

Document the dependencies that can stop service

Obtain utility agreements, capacity milestones, fuel arrangements, cooling and water dependencies, communications routes and critical maintenance contracts. Ask engineers to identify common failure points and the tested limits of redundancy. Include specialist repair access and replacement lead times.

For each emerging power proposal, record the technology, developer, location, deployment stage, regulator evidence and contingency supply. Keep molten-salt reactors separate from thermal storage. Identify assumptions that remain projections, and assign an owner to verify them before commercial reliance.

Compare contracts with actual policy documents

Gather policies, schedules, forms and endorsements rather than certificates alone. Review construction property and delay, operational property, equipment breakdown, business interruption, utility dependencies, liability, professional, pollution, cyber and other operation-specific lines as relevant.

Compare insured interests, causes of loss, exclusions, limits, deductibles, waiting periods, valuation, reporting and coverage termination conditions. Separately list indemnities, service credits, performance guarantees, replacement-power obligations and lender requirements. Mark each unresolved issue for insurer or legal clarification; a checklist is not evidence of coverage.

Run loss scenarios and assign decisions

Discuss a critical transformer fire, a coolant leak affecting customer servers, a non-damage utility curtailment, a cyber-driven shutdown and a damaged component delaying handover. For each, record affected parties, expected restoration, financial loss, potentially relevant policies and retained risk.

Finish with a decision register naming the issue, evidence needed, responsible person and due date. Prioritize matters that affect imminent contract execution, financing, energization or renewal. Use verified Montridge contact links to arrange a review; browsing or scheduling does not bind or amend insurance.

Questions for your program review

Are all material entities, property interests and project phases identified?
Have non-damage outages and contractual obligations been tested?
Does each unresolved issue have an owner and decision deadline?

Document pack to bring

Policies, complete forms, endorsements and current schedules of values.
Contracts, insurance exhibits, indemnities and service-level agreements.
Electrical and cooling diagrams, critical spares and realistic replacement lead times.
Project schedule, phase handovers, test results and outstanding defects.
Loss runs, incident reports, response plans and current engineering assessments.
Power and fuel agreements, permits and dated evidence for emerging-technology proposals.

Connect with existing Energy guidance

Prepare for an Energy risk review, call 702-749-4369 or use the existing consultation link below.

Sources and verification notes

Technical and regulatory background is identified below. The loss scenarios and insurance review questions are educational analysis, not quoted policy terms, insurer approval or an indication of market access.

Allianz Commercial — Data center construction risks ↗
2026-08-12. Insurer perspective on concentrated values and construction/operating interfaces; no Montridge market access is implied.
NRC — Advanced reactors ↗
Reviewed 2026-11-03. Technology and licensing overview. An application, design approval, construction permit and operating authorization are different milestones.
FM — Data centers ↗
Undated; reviewed 2026-11-03. Engineering background on support systems, resilience and power dependencies. Product descriptions do not establish coverage for a reader.

Image identification

NERSC server rack, photographed in 2011; illustrative computing infrastructure. Derrick Coetzee · CC0 1.0. Historical research-computing equipment; not presented as a current AI accelerator installation. Image source and credit ↗ · License ↗.

Reviewed November 3, 2026. Requirements and project status can change. Confirm current applicability and complete policy wording before relying on this material.