Operating arcade machines in public spaces requires specific insurance coverage to protect your business and comply with legal regulations. The primary insurance requirement is general liability insurance, which covers injuries to customers or damage to property. Most venues and landlords will require a minimum of $1 million in liability coverage. Additionally, you may need commercial property insurance to protect your machines from theft, vandalism, or damage.
Depending on your location, workers' compensation insurance might be mandatory if you have employees. Some states also require specific permits or additional coverage for amusement devices. It's crucial to review your local regulations and consult with an insurance professional specializing in entertainment or amusement businesses.
Consider adding business interruption insurance to cover lost income during repairs, and cyber liability insurance if your machines collect customer data. Regularly review and update your coverage as your business grows or regulations change to ensure continuous protection for your arcade operation.
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