SCOR backs new $750m multi-line facility for AI and data centre risks
Global reinsurer SCOR has joined a consortium of more than 10 leading re/insurers to support a new insurance facility for artificial intelligence (AI) and data centre infrastructure. Launched by Advanced Technology Assurance (ATA), the facility offers up to $750 million in capacity under a single multi-line policy.
The program is described as the first of its kind to integrate multiple traditional and newer lines into one contract. The goal: reduce the friction and gaps that come with stitching together multiple policies for large, complex AI buildouts.
Why this matters for insurance professionals
AI infrastructure spending is set to surge, with McKinsey & Company projecting more than $7 trillion in investment by 2030. That scale brings concentrated exposures across construction, operations, cyber, supply chain, and environmental risk-all touching different lines that often don't talk to each other.
A consolidated placement can streamline wording alignment, claims coordination, and limit/retention structure across lines. It also helps prevent coverage fragmentation on hyperscale and high-density projects.
Who's involved and what's included
The ATA Global Data Centre & AI Infrastructure Insurance facility is backed by a consortium of re/insurers and Lloyd's of London syndicates, including Arch Insurance International, Munich Re Specialty, and SCOR. The combined capacity enables a single policy structure for large-scale AI deployments.
SCOR serves as lead insurer on the environmental impairment liability (EIL) section, reinforcing its focus on environmental risk within the AI buildout. SCOR will also provide follow lines on Cyber and Tech, Marine Cargo, and War and Terrorism.
Emma Bartolo, Global EIL Segment Leader at SCOR Business Solutions, said: "We are delighted to be part of this groundbreaking facility, which takes a holistic approach to covering the AI infrastructure market, and to use our EIL expertise to drive and protect responsible innovation."
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Practical implications for carriers and brokers
- Single contract across multiple lines can reduce wording conflicts and silent exposures.
- Unified limits and retentions support clearer aggregation and event definitions.
- Claims handling under one facility can speed coordination across causation threads (e.g., cyber-triggered physical loss with pollution implications).
- Risk engineering can be more consistent across construction and operational phases.
Underwriting checkpoints for AI and data centre risks
- Power and resilience: grid capacity, dual feeds, on-site generation, energy storage (BESS) fire risk, and backup diesel systems.
- Cooling and water: water sourcing, discharge controls, and environmental permits; alternative cooling methods for high-density racks.
- Supply chain and transit: high-value chip logistics, theft, temperature/humidity controls, and critical spares (Marine Cargo exposure).
- Cyber and tech: segmentation, incident response maturity, recovery time objectives, and dependencies on cloud/edge nodes.
- Construction to operations: handover timing, testing/commissioning exposures, and aggregation across project phases.
- War and Terrorism: site selection, geopolitical context, and measures for high-profile facilities.
- EIL specifics: storage and transfer of fuels, water treatment chemicals, battery systems, and spill/contamination scenarios.
Where this facility fits
- Hyperscale campuses and HPC clusters supporting AI training and inference.
- Colocation expansions with dense compute and accelerated timelines.
- Projects seeking cleaner placement execution and fewer gaps across lines.
What to watch next
- Capacity deployment pace and attachment points as project pipelines grow.
- Wording clarity on cross-line triggers and aggregation for multi-causal events.
- Regulatory attention on energy use, heat, and water, and how that feeds into EIL and operational risk.
If your team is building internal fluency on AI to better assess client risk profiles, you may find these role-based resources useful: AI courses by job.
Bottom line: ATA's $750 million facility, with SCOR leading EIL and following on other key lines, offers a cleaner way to insure complex AI and data centre projects. For brokers and underwriters, this is a viable path to reduce coverage gaps and simplify execution as AI infrastructure scales.
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