Arcade Insurance

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Arcades are an affordable way for people of all ages to let loose and relax. These types of facilities are typically combined with other activities such as laser tag, bowling, or roller skating to incorporate a more holistic entertainment experience that will be more inclined to draw more customers. The initial capital needed to start an arcade can be astronomically high, considering some games can cost in the upwards of $10,000. Furthermore, making sure the games are properly maintained layers on additional costs when other factors such as labor are considered. Taking into account that the majority of customers are adolescents and the wear and tear they can impose on your facility, it is critical that your machinery is protected. 

Let ESP create a policy for Property (Real or Business Personal Property Only), General Liability and Participant Accident Coverage that can help you avoid unwanted lawsuits. Our policies are priced the most competitively in the industry because we deliver options to our clients. We offer a customizable solution that caters to your exact risk management profile or we have a more standardized value-oriented option, through are member based SHEL Risk Purchasing Association. We strive to deliver the lowest prices to our clients, while maintaining the highest level of customer service. 


Coverage available:  (includes, however, is not limited to the following)

Commercial Property

  • Special form/replacement cost policies
  • Agreed value option available
  • Comprehensive property extension endorsement
  • Building coverage (including permanently installed fixtures, machinery and equipment)
  • Business personal property (for furniture and fixtures, machinery and equipment not permanently installed, stock, outdoor signs, electronic data processing equipment, personal property owned and used in your business and personal property of others that is in your care, custody and control)
  • Use interest as tenant in improvements and betterments (if property leased)
  • Business income with extra expense coverage
  • Equipment Breakdown coverage
  • Ordinance of Law Coverages
  • Outdoor property (trees, shrubs or plants)
  • Additional sub limits & coverages, including but not limited to: Electronic Data Processing, Money & Securities, Employee Theft, Back up of Sewers and Drains, Accounts Receivable, Trees & Shrubs, Fine Arts, Personal Effects, Pollutant Clean up and Removal
  • Flood and quake sub limits available in select regions


General Liability:

  • Each Occurrence Limit: $1,000,000
  • General Aggregate: $2,000,000 or none
  • Products/Completed Operations Aggregate: $2,000,000
  • Personal/Advertising Injury Limit: $1,000,000
  • Damages to Rented Premises: $100,000 - higher limits are available
  • Legal Liability to Participants
  • Professional Liability extension to trainers (fitness, sports & tennis facilities)


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About ESP Specialty

ESP Specialty Insurance Brokerage operates nationwide as an insurance broker and program administrator, exclusively developing and managing insurance product lines for A+ rated carriers for over 10 years.