You have invested tens of thousands in arcade machines, signed a lease, and hired staff. One accident or unforeseen event can wipe out that progress if you lack the right coverage. Arcade insurance is not a generic business policy — it needs to address the specific risks of coin-operated amusement equipment and public foot traffic. Here is what your policy should cover.
General Liability: Your Non-Negotiable Foundation
General liability insurance covers bodily injury and property damage claims from third parties. In an arcade, a child trips near a game cabinet, a guest spills a drink that damages a machine, or a loose cable causes a fall. These incidents happen in busy venues. Most landlords require proof of general liability before signing a lease. Coverage amounts typically start at $1 million per occurrence. When you purchase machines from us, we provide machine specifications and safety documentation that can help your insurer accurately assess risk.
Property Insurance: Protecting Your Machines and Venue
Property insurance covers your physical assets — arcade cabinets, redemption counters, prize inventory, signage, and leasehold improvements — against fire, theft, vandalism, and certain natural disasters. You need a policy that reflects the full replacement value of your equipment. An itemized invoice from a factory with per-unit pricing establishes documented value for the insurer. Our detailed commercial invoices serve this exact purpose, listing each machine with its model number and declared value.
Equipment Breakdown Coverage
Standard property policies often exclude mechanical or electrical breakdown. Equipment breakdown coverage fills this gap, covering repair or replacement costs if a power surge fries multiple game boards or a cooling failure damages internal components. This is particularly relevant for arcades with high-value simulators or VR systems. We can provide technical specifications that help insurers underwrite this coverage accurately.
Business Interruption Insurance
If a covered event — fire, flood, or major equipment failure — forces your arcade to close temporarily, business interruption insurance replaces lost revenue and covers ongoing expenses like rent and payroll during the downtime. This coverage is vital for single-location operators with no secondary income stream. When you plan your arcade with our CAD layout, we include infrastructure notes that can help your insurer understand your operational setup.
Workers’ Compensation and Additional Coverages
If you employ staff, workers’ compensation is typically required by law. Depending on your location, you may also need liquor liability if you serve alcohol, or cyber liability if you use a card-based payment system storing customer data.
Insurance is not an exciting topic, but it is the shield that protects everything you are building. When you finalize your machine order with us, we ensure your documentation package supports your insurance application. Combined with your free CAD floor plan, you have a complete asset record from day one. Phone: +86 19124246331. Email: joyplayexport@gmail.com.
