Insights

Flip the Cap Episode 23: ​​Data Center Insurance Risks: Professional Lines and Environmental Exposures

Written by Kathryn Smith | Nov 2, 2026, 7:52:48 PM

Welcome to Flip the Cap, the insurance industry’s premier podcast! In this episode, Kathryn Smith sits down with Jencap’s Deborah Dioguardi, Professional Lines National Practice Leader, and Canaan Crouch, Environmental and Energy National Practice Leader. Together, they break down the insurance exposures data centers carry at every stage, from land purchase and design through construction and daily operation.

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, and their risk profile now spans professional liability, cyber, environmental, energy, property, and casualty lines. Deborah and Canaan explain how AI raises power and cooling demands, why coverage gaps appear between policies, and what retail agents should check in policy language today.

If your clients design, build, operate, or power data centers, this episode gives you the questions to ask before your next placement.

Episode Highlights Include:

  • Why data centers are increasingly an energy risk
  • How AI is changing traditional insurance exposures
  • The insurance needs at each stage of a data center’s lifecycle - from design and development, to construction and operational
  • Coverage language and potential gaps agents should be watching out for

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.

🎧 Tune in now to Flip the Cap, the industry’s premier podcast that delivers insurance insights with a twist!

 

 

 

Placing a data center, construction, technology, or energy risk? Jencap’s professional lines and environmental specialists help you coordinate coverage across the full project lifecycle and close the gaps between policies.