The Hartford doesn’t offer gaming insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Gaming Insurance?
Gaming insurance is a package of different types of business insurance coverages designed to help protect your venue, your people and your profits from the real-world risks that come with running a gaming business. Whether you manage a bingo hall, poker room or full-scale casino, this type of insurance is tailored to help you handle claims, incidents and setbacks.
A gaming insurance package can include these common types of coverage:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Cyber insurance
Why Might You Need Gaming Insurance?
Gaming venues are high-traffic, high-engagement spaces. That means more people, more equipment, more cash handling and more chances for things to go wrong. From property damage and employee injuries to theft, cyber breaches or allegations of misconduct, the right type of insurance can help your business respond to unexpected events.
Gaming insurance can help protect your business from:
- Premises Liability: A guest gets hurt on your property and files a claim.
- Equipment Damage: A technical outage takes down your bingo system, impacting your revenue.
- Theft: Cash tips or table chips go missing during a shift change.
- Business Interruption: A power outage forces you to cancel a big weekend event.
Gaming Insurance Coverages
When it comes to protecting your gambling or gaming business, you’ll need coverage that matches your potential risks. Many business owners start with a Business Owner’s Policy (BOP) as the foundation of their insurance plan. It combines three types of coverage to help protect your gaming business from everyday risks:
General liability insurance helps protect your gaming venue from third-party claims involving injuries or property damage, such as a visitor slipping on a spilled drink or a guest blaming you for their missing wallet.
Commercial property insurance
helps protect the owned or rented building you operate from, as well as the tools, equipment and supplies you rely on. These can include:
- Tables
- Chairs
- Gaming machines
- Change machines
- Cameras
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft.
It’s important to know that a BOP won’t cover every kind of claim you may face while running your gaming business. You’ll need to get other types of coverage to create well-rounded protection, such as:
How Much Does Gaming Insurance Cost?
Although The Hartford doesn’t offer coverage for gaming businesses, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your coverage costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of insurance varies because every gaming hall faces unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific casino or gaming business insurance costs, get a free online get a free quote online through Tivly.
General Liability Insurance
“A customer tripped over wires we had on the floor, and they had to go to the hospital for treatment.”
General liability helps cover claims that your business hurt somebody else. It can help pay their medical bills or your court costs if you get sued.
Liquor Liability Insurance
“A family sued us, claiming we overserved alcohol to their relative, and they got into an accident on their way home.”
Liquor liability insurance helps protect businesses that sell, serve or distribute alcohol. This type of insurance can help cover claims of bodily injury or property damage caused by an intoxicated customer after your business served them alcohol.
Workers’ Compensation Insurance
“One of our card dealers developed carpal tunnel and needed surgery.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t work.
Commercial Auto Insurance
“My manager was driving to pick up supplies when she accidentally rear-ended another car in traffic.”
Commercial auto insurance helps cover the costs of an auto accident that occurs while you or an employee uses a company-owned vehicle for work.
Commercial Property Insurance
“A pipe burst and flooded our back office. We lost thousands of dollars in equipment.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Cyber Insurance
“I thought I got an invoice from a vendor in my email, so I entered my login information. I then realized someone hacked our customer portal and took all our data.”
Commercial property insurance helps your business respond to data breaches if personally identifiable information (PII) gets lost or stolen. It can help pay the costs to notify customers or offer credit monitoring services.
Get a Quote for Gaming Insurance Options
Whether you're running poker tables or bingo nights, make sure you have specialized protection. Get a quote through Tivly today.
Last Updated: January 27, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small-Business Claims,” Viewed January 2026
3 National Safety Council, “Musculoskeletal Injuries,” Viewed June 2025
4 Verizon, “2025 Data Breach Investigations Report,” Viewed June 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
Additional disclosures below.