Data centres are rewriting the rules of Canadian construction insurance

Data centre construction in Canada reached $4.6 billion in 2025 and is projected to grow to $8.6 billion by 2031, with projects often exceeding $5 billion to $15 billion. Large-scale projects require early, engineered insurance placement approaches, including detailed risk analysis and partial self-funding due to limited full-value coverage. Labour shortages risk construction quality, impacting operational uptime and increasing long-term exposure. Transitioning coverage from construction to operations remains a critical challenge.