Why an IT-label could become essential for your insurance: as landlord and tenant

Digitalisation shapes the risk landscape

Digitalisation is now inseparable from modern buildings. Whether in offices, healthcare institutions, logistics centres or residential complexes, operations everywhere run on servers, networks and data. But what happens when fire breaks out in the server room? Or when unauthorised persons gain access to critical infrastructure? Insurers are increasingly looking not only at fire detection and burglary prevention, but also at the physical security of IT provisions. This is where the IT-label comes in.

What does an IT-label assess?

An IT-label is an objective assessment of the physical security and layout of your IT environment. It evaluates access control to server rooms, fire detection and suppression, power supply and emergency power, climate control, protection of cabling and physical shielding of racks. The label reveals how well a building is prepared for IT-related risks. View the various label categories for an overview of the levels.

Why this is relevant for insurers

Insurers assess risk, and IT now constitutes a crucial part of that risk profile. A poorly secured server room can lead to major business damage, prolonged downtime, data loss, liability claims and reputational damage. When IT infrastructure is insufficiently protected, the risk of large pay-outs increases. An IT-label helps demonstrably reduce that risk.

For landlords: protecting your property and its value

As a landlord, you are responsible for the structural and often technical provisions in the premises. Business tenants are increasingly expecting a professional IT environment. A well-secured server room can contribute to more favourable insurance terms or premiums. Organisations demand higher standards of IT security; a certified level builds trust and strengthens your negotiating position. Moreover, when damage occurs due to inadequate physical security, this can have legal consequences. In the long term, buildings with demonstrable IT security become increasingly valuable in a digital economy.

For tenants: protecting your business continuity

As a tenant, you depend on the provisions in the building, but your operations and data are your own responsibility. An IT-label gives you the assurance that servers and network infrastructure meet a certain security level. More and more insurers are asking about physical security measures when underwriting cyber and business interruption insurance, and clients, auditors and partners increasingly demand proof of security measures. Read more about your rights and obligations as a tenant regarding IT infrastructure.

The shift in the insurance landscape

Cyber insurance and business interruption insurance are becoming stricter. Digital measures alone are no longer sufficient; physical security is becoming an integral part of risk assessment. Insurers ask: is the server room fire-resistant, is there access control, is emergency power available and how is cabling protected? An IT-label provides a direct, objective answer to these questions.

Cyber insurance and business interruption insurance are becoming stricter: digital measures alone are no longer sufficient; physical security is becoming an integral part of risk assessment.

Taking shared responsibility

The IT-label is not a paper formality. It is an instrument that brings landlord and tenant together around one goal: managing risks and protecting continuity. By jointly investing in certified access control, fire detection, emergency power, lockable racks and secured cable routes, not only does the building become safer, but the insurance profile also becomes stronger. Discover what an IT-label trajectory looks like and what it can mean for your situation.