Insurance for cloud and hosting providers, built for shared infrastructure.
Your customers' businesses run on your infrastructure. One outage, one incident, one failed system affects all of them at once. We build insurance programs for cloud and hosting providers around that concentration.
One incident, many customers.
A hosting provider is two businesses in one: a physical operation with real assets, and a services operation with contractual promises. The physical side is data centres, servers, networking gear, power, and cooling: property and equipment with serious values, in buildings you own or lease.
The services side is where the concentration lives. When your infrastructure goes down, every customer on it goes down with you. One event produces many affected customers, many service credits, and many claims at once. Business interruption for a hosting provider is everyone's interruption.
Your contracts price the downtime in advance: uptime commitments with service credits, and liability provisions for what happens when the commitment is missed. And the data your customers entrust to your systems makes you a party to every incident that touches it.
People and property at your facilities need the baseline too: commercial general liability for third-party bodily injury and property damage at premises you control, with the usual honest note that it typically excludes electronic data.
Coverage mapped to how a hosting provider operates.
- Property & Equipment: the physical side. Policies can cover the buildings, servers, networking equipment, and supporting systems your operation depends on, plus the extra expense of getting back online after a loss.
- Business Interruption: income lost while your infrastructure is down. For most businesses an interruption is their own; for a hosting provider it is every customer's at once, so the limit has to reflect the concentration, not just the rent.
- Technology Errors & Omissions: when a customer alleges that your failure to deliver the contracted service caused them financial loss: extended downtime, lost data, a migration that went wrong. Financial loss from your technology services; not bodily injury or property damage.
- Cyber Liability: for incidents in the data you host. Policies can include first-party breach response and forensics, notification, third-party liability when hosted customer data is compromised, and cyber extortion.
- Umbrella / Excess Liability: adds limits above the primary policies, sized for the reality that one event reaches many customers.
The right program is built from your contracts and your operations. Coverage is defined by the actual policy wording, not by this page.
Uptime is a contractual promise.
Your SLAs turn availability into an obligation with a price tag. We read those commitments with you and make sure the program answers them: the property values, the interruption limit, the E&O wording, and the cyber program sized for the data you hold.
Client procurement will ask for proof before the first workload moves. We make sure the certificates match the contract.
Start with a conversation.
Hosting programs turn on asset values, customer concentration, and contract language. Those details need a conversation, not a form. A short discussion about your infrastructure and your SLAs gets the program right.
Working in more than one of these areas?
Many technology companies do. Each segment page describes the exposure from that side of the business:
MSPs · SaaS & Software · Cybersecurity Firms & MSSPs · Systems Integrators · VARs
Or start from the full picture: who we insure and the coverages we place.