The key facts

  • Data center insurance rates have risen from 0.03–0.06% to 1–5%, in some cases — by more than 100 times
  • Since October, RNPK has applied a new policy regarding terrorism and sabotage risks: the base rate for a data center with an insured amount of 10 billion rubles is 1%
  • Data center owners are revising terms: reducing insured amounts, increasing deductibles, or excluding certain risks

Sharp rise in rates

The cost of insuring data centers in Russia against terrorist acts and sabotage has risen sharply. According to the newspaper Kommersant, since October the rates have in some cases increased more than 100-fold. According to information from the insurance broker Remind, in the first half of 2026 the rates were 0.03–0.06% of the insured amount, and from October 1 they rose to 1–5%. AlfaStrakhovanie told the publication that rates now start at 1%.

Causes: drone attacks and new reinsurance rules

Insurance companies explain the revision of rates by the growing probability of insured events amid the increasing number of Ukrainian UAV attacks on Russian infrastructure and industrial facilities. In early October, drone strikes disabled three Yandex data centers; in the autumn, facilities of VK and Sberbank were also hit.

Changes in reinsurance terms

A second reason for the price increase, according to Kommersant, was a change in reinsurance terms. Since October, the Russian National Reinsurance Company (RNPK), owned by the Central Bank of Russia, has begun applying a new policy regarding terrorism and sabotage risks. According to an RNPK presentation, the base rate for data centers with an insured amount of 10 billion rubles is set at 1%; facilities reinsured on individual terms are listed in a separate annex to the contract.

What affects the policy price and protection requirements

Data centers are considered facilities with a high concentration of risk: expensive server equipment, engineering systems and power sources are concentrated on a single site, so a single event can damage several types of equipment and halt the facility's operation. The policy price is affected by the data center's location, its distance from areas where drone attacks were previously recorded, and the level of physical protection — including protective screens, special mesh and electronic warfare equipment. According to CNews, cited by Kommersant, in July 2026 the insurance company VSK described requirements for protective structures for data centers in Moscow and the region: they must withstand a direct kinetic hit and blast impact from unmanned aerial vehicles with a speed of up to 350 km/h and a mass of up to 350 kg, while the warhead power was estimated at up to 80 kg in TNT equivalent.

Concentration of capacity and owners' response

According to the research company MegaResearch, cited by Kommersant, about 55% of the capacity of commercial data centers in Russia is concentrated in Moscow and Moscow Region, with another 15% in Saint Petersburg and Leningrad Region. Amid rising policy costs, data center owners are revising insurance terms: they may reduce the insured amount, increase the deductible — that is, the share of the loss covered independently by the policyholder — or exclude certain risks from coverage.