The sharp increase in insurance policy costs for data centers is due to changing reinsurer requirements and the need to reassess risks. Against the backdrop of more frequent attacks on industrial and infrastructure facilities, insurance companies are forced to adjust coverage terms.
Rate Change Dynamics
According to data from insurance broker Remaind, in the first half of 2026, insurance rates ranged from 0.03% to 0.06% of the insured amount. However, the situation changed on October 1.
The main growth factor was the decision of the Russian National Reinsurance Company, which is owned by the Bank of Russia. The agency set the base reinsurance rate for data centers at one percent for an insured amount of 10 billion rubles. Individual terms may apply to certain facilities.
Infrastructure Owners' Reaction
Despite the significant price increase, owners of large data centers continue to take out policies, as having insurance is a mandatory requirement of creditors. To minimize the financial burden, companies use several strategies:
- excluding certain risks from insurance coverage
- using a deductible, where owners pay part of the damage themselves
The need to strengthen infrastructure protection is highlighted by incidents in October, when facilities of companies such as Yandex (founded in 2000), Sber, and VK were attacked. Damage to Yandex's infrastructure led to service disruptions for the company and those renting computing power.
Context
Russia's Minister of Digital Development Maksut Shadaev stated on November 12 that the department supports the idea of placing data centers underground to ensure their safety.
