Electronic video game centers, including those that offer competitive gaming, have become big business. But along with the profits come the risks.

RELATED: video game/arcade center insurance claims examples

What type of insurance coverage for the video game/arcade center?

Commercial general liability insurance is a necessary coverage for the owner of this type of electronic game center. Protective coverage is in regard to gamers’ and spectators’ exposure to injury.

While there are underwriters that package the liability coverage together with property coverage, it is typically provided on an ‘all-risks’ type of policy that includes property replacement cost valuation coverage.

Video game and arcade owners, like other businesses, need workers comp coverage and can also add on loss of earnings and transit or inland marine forms of insurance coverage. Umbrella insurance is optional and provides excess liability shielding in the general liability, commercial auto liability or employer’s liability coverage does not adequately cover the exposure.

As far as the insurance companies are concerned, specific aspects of consideration focus on the area where the center is located along with the condition it is in, and the degree of experience among staff members and the management.

For further information about related insurance, schedule an in-depth discussion with a qualified independent insurance agency.

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – big companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: The video game and arcade center faces multiple risks. Prime Insurance focuses on related insurance protection.