The Products That Price a Site
Insurance is not one thing. A data center is protected by a stack of distinct products, each answering a different question, and the terms of each are a direct readout of how the market perceives the address. Property cover answers what happens if the building is damaged; business-interruption cover answers what happens to the revenue while it is down; casualty answers what happens when the operation harms someone else; parametric cover answers how fast cash arrives when a defined event strikes. Read these products in sequence and you are effectively reading the market's verdict on your site. A tight property sublimit, a long business-interruption waiting period, a parametric trigger set at a punishing threshold, each is a number the market is quoting back to you about your coordinates.
Knowledge check
What does business-interruption cover protect that property cover does not?
Show the answer
Property cover pays to repair or replace physical damage, while business-interruption cover replaces the revenue and continuing expenses lost during the downtime, so it protects the income stream rather than the building itself.