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Stratus

Insurance solutions for operational digital infrastructure risks
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As digital infrastructure assets move from construction into operation, the risk landscape changes. Exposures can become larger, more concentrated, and more complex, shaped by multibillion-dollar campuses, self-generating power systems, and emerging technologies used in processing units and critical equipment.

For owners, operators, developers, and investors, these risks can vary significantly by location, design, operating model, capital structure, and insurable interest. This means that traditional approaches to property placement may not always provide the flexibility or scale needed to respond effectively to evolving and emerging risks.

Stratus, Marsh’s operational property insurance exchange for digital infrastructure, is designed to give owners and operators the potential to access up to $10 billion in property insurance capacity on a single-placement basis through the global property risk transfer market.

By combining engineering data and analytics, risk consulting capabilities, and specialized access to traditional and alternative sources of capacity, Stratus can help digital infrastructure owners and developers secure customized operational property solutions that reflect the realities of today’s digital infrastructure environment.

Built for evolving operational risks

Unlike more standardized property risks, digital infrastructure assets can present highly variable risk characteristics across individual sites and portfolios. And rapid growth can bring increasingly concentrated exposures and aggregation concerns with multiple policy holders or lines of business being present in the operational phase. This means that a one-size-fits-all approach is rarely sufficient, underscoring the need for a more structured trading environment within multiple levels of the marketplace that can properly assess, quantify, and diversify risk.

Stratus is structured as a prior-submit exchange giving participating insurers the flexibility to evaluate each risk individually and determine how best to support a placement. This can create a more disciplined and transparent environment for complex operational risks, especially where aggregation concerns are a real issue.

The result is intended to be a more thoughtful way of bringing capital to the table. Stratus is designed to help insurers and other capital providers engage where they see the right fit, and give digital infrastructure companies access to broader and more tailored support.

Supporting the move from construction to operations

Stratus is intended to pick up where Nimbus — Marsh’s construction-phase solution for digital infrastructure — ends. While Nimbus supports projects during planning, construction, and handover, Stratus is for the more permanent operational phase. The two solutions can be used separately or together, with additional coverages added as your needs evolve.

Stratus is currently focused on property risk, with plans to expand over time into other lines, including inland marine, cyber, and casualty.

Highlights

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Up to $10 billion in single-placement capacity

Provides access to significant property insurance capacity through global markets.

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Built specifically for the operational phase

Designed for the permanent operational phase of digital infrastructure assets.

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Structured for complex, concentrated risks

Unique structured trading environment coordinated across multiple levels of the marketplace, with specialized and purposed distribution into underwriters.

Frequently asked questions

Stratus is Marsh’s operational property insurance exchange for digital infrastructure. It is designed to help digital infrastructure owners and developers access customized property insurance solutions as assets transition from construction into operation.

Stratus is designed for digital infrastructure clients, including operators, developers, and investors with operational property risks associated with data centers and related assets.

Stratus is structured as a prior-submit exchange. That means underwriters are able to evaluate each risk individually and decide whether and how to support a placement, rather than automatically taking a fixed share of every risk.

Stratus can provide access to up to $10 billion in property insurance capacity on a single-placement basis.

Nimbus is Marsh’s insurance solution for the construction phase of digital infrastructure projects. Stratus is designed for the more permanent operational phase. The two can be used separately or together to help support clients across the entire asset lifecycle.

At launch, Stratus is focused on operational property risks. Over time, it is expected to expand into additional lines, including inland marine, cyber, and casualty.

Why Marsh

As digital infrastructure continues to expand, owners, investors, and developers need an insurance advisor who understands how these assets are built, how they operate, and how risks change over time. Marsh’s Global Digital Infrastructure Practice brings together the capabilities needed to help digital infrastructure clients navigate an increasingly complex operational risk environment.

Stratus is a combination of our deep industry expertise and insurance knowledge, designed to provide improved access to tailored coverage for the industry’s operational risks at a time when digital infrastructure assets are growing in scale, value, and strategic importance.

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