Data Center Insurance Risks: Professional Lines and Environmental Exposures | Flip the Cap
Data centers carry insurance exposures at every stage, from land purchase and design through construction and daily operation. On this episode of Flip the Cap, host Kathryn Smith, Managing Director of Marketing at Jencap, talks with Deborah Dioguardi, Professional Lines National Practice Leader at Jencap, and Canaan Crouch, Environmental and Energy National Practice Leader at Jencap. AI, cloud computing, and digital transformation are driving one of the largest infrastructure build-outs of this generation. Data centers have moved from a niche real estate class to critical infrastructure. Their risk profile now spans professional liability, cyber, environmental, energy, property, and casualty lines. The conversation also covers how AI raises power and cooling demands, why coverage gaps appear between policies, and what retail agents should check in policy language today. Topics covered When data centers become an energy risk as much as a technology risk What happens when a data center goes down How AI has completely changed the risk profile of data centers The exposures and insurance needs at every stage of a data center - from development and design, to construction, and then to operations Key takeaways for agents A single data center concentrates risk for many companies in one location. Coverage gaps sit between policies; tech E&O and cyber should be coordinated. Check each professional lines policy for how it treats AI liability. Who should watch: Retail insurance agents and brokers placing data center, construction, technology, or energy risks. Learn how agents work with Jencap's data center practice group on complex professional lines and environmental risks.
