The risk in focus
Contractors working in data centres can face a combination of construction, liability, professional, technology and high-value property exposures. Mercantile provides insurance broking for contractors involved in construction, fit-out, installation, commissioning, maintenance and upgrade of data centre infrastructure across Australia.
Who this insurance may suit
- Electrical and high-voltage contractors
- Mechanical, HVAC and precision-cooling contractors
- UPS, battery and backup-power specialists
- Generator installation and maintenance contractors
- Fire protection and suppression contractors
- Structured cabling, fibre and telecommunications contractors
- Controls, BMS, SCADA and automation contractors
- Security and access-control contractors
- Data centre fit-out contractors
- Commissioning and testing specialists
- Engineering, design and project-management firms
- Specialist subcontractors working within live data centre environments
Public and products liability
Work inside an operational data centre can create significant third-party property damage and business interruption exposures. Liability insurance should be reviewed against the contractor’s actual activities, limits, exclusions and any work involving critical infrastructure or live environments.
Contract works and plant
Depending on project structure and contractual responsibility, contractors may need to consider contract works, materials in transit, temporary works, tools, mobile plant and hired-in equipment. Project-specific insurance arranged by a principal should not automatically be assumed to cover every subcontractor, activity or exposure.
Professional indemnity and design exposures
Contractors undertaking design, specification, engineering, programming, commissioning advice, systems integration or other professional services may have professional indemnity exposures. Design-and-construct activities should be clearly disclosed to insurers.
Technology and cyber exposures
Some data centre contractors interact with networks, controls, monitoring platforms, building management systems and other connected infrastructure. Where services extend beyond conventional contracting, technology professional indemnity or cyber insurance may also warrant consideration.
What underwriters may need to understand
Insurers may seek details of annual turnover, subcontractor costs, occupations, project values, maximum contract size, work at live facilities, hot works, height or underground work, design responsibility, critical-system access, principal-supplied insurance and claims history.
Discuss your data centre contracting risk
We can help prepare the risk for market, identify relevant insurance options and review proposed terms against the declared business activities.
Request an insurance review · 1300 310 467
General insurance information only. This page does not provide legal, engineering, contractual or risk-management advice. Contract obligations and technical requirements should be reviewed with appropriately qualified advisers.