Thursday, August 13th, 2026 — The rapid construction of artificial intelligence data centers is creating a major growth opportunity for property and casualty insurers, but the size and complexity of the projects are also testing the industry’s capacity, according to American International Group CEO Eric Andersen.
Andersen said AI data centers require insurance and financial support throughout their lifecycle, beginning with project financing and construction and extending into operations. The exposures can involve construction, cyber, property and liability coverage, creating demand for substantial limits across several lines. AIG participates in multiple parts of that risk chain, including coverage connected to the power providers serving data centers.
For claims adjusters, the scale of these projects is significant. A major data center loss can extend beyond physical damage to equipment and buildings. Claims may involve construction defects, equipment breakdown, business interruption, cyber events, third-party liability and power-related losses. Multiple insurers, policies and coverage layers may be involved in a single event, increasing the importance of determining causation, allocating damages and coordinating complex claims.
The concentration of expensive computing equipment and critical infrastructure also raises questions about accumulation risk. As data center campuses expand and require enormous amounts of electricity, a single fire, equipment failure, severe weather event or utility interruption could produce losses across several insured interests. Adjusters handling these claims may need specialized technical expertise and detailed documentation to separate covered physical damage from operational, cyber and downstream losses.
AIG is also examining how AI can be used internally, including in underwriting and the claim review process. That creates a second point of relevance for claims professionals. Insurers are not only covering the infrastructure supporting AI development, they are increasingly considering the technology for their own claims workflows.
The combination could make AI a significant claims issue from both directions. Data center growth is creating larger and more interconnected insured exposures, while AI tools are becoming part of how insurers evaluate and process the resulting claims.
