Operating a successful arcade business involves more than just fun and games; it requires robust insurance coverage to protect your significant investment. The most common types of arcade machine insurance requirements are designed to shield your business from a wide range of potential financial losses. Firstly, General Liability Insurance is fundamental. It covers third-party bodily injury (like a customer slipping and falling) and property damage claims. This is non-negotiable for any business with public foot traffic. Secondly, Commercial Property Insurance is crucial. It protects your physical assets—the arcade machines themselves, the building, furniture, and inventory—from perils like fire, theft, or vandalism. Many policies also cover business interruption, compensating for lost income if you must temporarily close.

Furthermore, consider Equipment Breakdown Insurance. Arcade machines are complex electronic devices prone to malfunctions. This coverage helps pay for repairs or replacements if a critical component fails, getting you back up and running quickly. If you have employees, Workers' Compensation Insurance is typically a legal mandate. It covers medical expenses and lost wages for employees injured on the job. For arcade owners who host tournaments or special events, Event Liability Insurance provides an extra layer of protection. Finally, as cyber threats grow, Cyber Liability Insurance is increasingly important if you store customer data or use point-of-sale systems. Consulting with an insurance agent who specializes in recreational businesses is the best way to tailor a policy that meets all your specific arcade machine insurance requirements.