SCOR takes lead role in global AI infrastructure insurance facility
SCOR has joined a consortium of more than 10 reinsurers and insurers backing a global facility for AI and data center infrastructure. Launched by managing general underwriter Advanced Technology Assurance (ATA), the facility bundles multiple lines into one program using an aggregated approach to reduce coverage gaps common in large projects.
How the facility is structured
- Multi-line policy in a single program covering both traditional and emerging risks.
- Aggregated structure to address gaps created by separate placements.
- Sector focus: AI and data center infrastructure across construction and live operations.
SCOR will lead the Environmental Impairment Liability (EIL) section and provide follow lines on cyber and technology, marine cargo, and war and terrorism.
"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," said Emma Bartolo, global EIL segment leader at SCOR Business Solutions.
Why this matters for insurance teams
- One program reduces blind spots between property, cyber/tech E&O, marine cargo, EIL, and political violence.
- Alignment on limits, triggers, and deductibles at the program level improves claim outcomes.
- Cleaner coordination for hyperscalers, colo operators, and contractors working on the same site.
Market context
Investment in AI infrastructure is accelerating and projected to reach into the trillions through 2030. Major market players are scaling in step: Aon has expanded its Data Center Lifecycle Program, while FM has raised capacity for data center clients to $5 billion and currently covers about 1,100 data centers with a combined insurable value of $250 billion.
ATA was established to insure advanced technologies globally and began underwriting in October 2023 with capacity and investment from Convex Group.
Underwriting focus points to push upstream
- EIL: diesel storage for backup power, water use and discharge for cooling, battery energy storage, and e-waste handling.
- Cyber/tech: systemic outage scenarios, critical vendor concentration, OT/IT segmentation, and incident response maturity.
- Marine cargo: high-value compute shipments (e.g., GPUs, power gear) and project-critical lead times.
- War and terrorism: site selection, physical security posture, and regional escalation risk.
What brokers and buyers can do now
- Map all stakeholders and contracts; align indemnities with the program's aggregation wording.
- Build a unified asset and exposure register spanning construction through steady-state operations.
- Stress test limits and sublimits across perils and time, including interdependencies.
- Clarify cyber and war carvebacks, BI triggers, utilities dependency, and contingent exposures.
- Document environmental controls: fuel management, water permits, waste streams, and emergency response.
Bottom line: AI infrastructure risk is cross-functional. A facility model with a single spine of terms and coordination can cut friction and uncertainty-if the details are tight and responsibilities are clear.
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