Specialty Insurance Program

Arcade Insurance

Indoor amusement facility operating activated video, redemption games, and VR for entertainment.

Comprehensive insurance coverage tailored specifically for arcade and indoor amusement facilities. Protect your facility, your staff, and your patrons.

Arcades are high-traffic environments with constant public interaction, electronic gaming systems, cash handling, and continuous equipment use in a confined indoor space. This is not standard retail. Add redemption games, VR, prize inventory, food and beverage service, and extended operating hours, and the risk profile becomes materially different.

The insurance program needs to go beyond basic general liability. Arcades require coordinated coverage for property, equipment breakdown, business interruption, cyber exposure, crime (cash and prizes), and excess liability so a single equipment failure, injury, or system outage does not disrupt the entire operation.

We place arcade risks with carriers that understand gaming equipment, usage intensity, crowd flow, and loss patterns tied to high-frequency public environments. The objective is simple: coverage aligned to how the business actually runs, underwriting grounded in reality, and protection that prevents isolated issues from becoming operational disruptions.

What's in Your Arcade Insurance Policy

General Liability (Third-Party BI & PD)
Participant Accident / Injury Coverage
Property Insurance (Building & Equipment)
Product Liability
Premises Liability
Spectator / Bystander Coverage
Event Cancellation (Optional)
Commercial Umbrella / Excess Liability

Why Generic Policies Fall Short

Arcade operations face unique liability exposures that standard commercial insurance wasn't designed to cover. Equipment failure, participant injury, spectator claims, and the inherent risks of your activity demand a tailored approach.

Our specialty programs are underwritten by carriers who have actually analyzed your class of business — not lumped you into a "miscellaneous recreation" category with a blanket exclusion for participant injury.

Get a Tailored Quote

Participant Injury

Standard GL excludes injuries to paying customers. Our programs include it.

Equipment Breakdown

Specialized equipment breakdowns can shut you down. We keep you open.

Waiver Gaps

Waivers help but don't eliminate liability. Proper coverage closes the gap.

Venue Damage

Damage to your facility — from customers, operations, or covered perils.

Ready to Protect Your Arcade Business?

Get a free, no-obligation quote in under 48 hours.

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