Question 1

What does esports event insurance cover?

Accepted Answer

Esports event insurance typically covers public liability for attendee injuries, equipment insurance for gaming hardware including PCs, consoles, and streaming gear, event cancellation protection, cyber liability for DDoS attacks and data breaches, and prize pool protection. Coverage varies by insurer and policy type.

Question 2

How much does esports insurance cost in the UK?

Accepted Answer

Costs vary by coverage type and event size. Small community tournaments may start from £100-£300 for basic public liability. Larger events with substantial prize pools and equipment can cost £500-£5,000 or more. Team insurance, equipment coverage, and cyber protection each have separate pricing based on values and limits.

Question 3

Who needs esports insurance?

Accepted Answer

Tournament organisers, esports venues, gaming cafes, professional teams, content creators, and LAN party hosts all benefit from appropriate insurance. Most UK venues require proof of public liability insurance before hosting gaming events.

Question 4

Does esports insurance cover gaming equipment?

Accepted Answer

Yes, specialist gaming equipment insurance covers PCs, monitors, consoles, VR headsets, streaming hardware, and peripherals against theft, accidental damage, fire, flood, and electrical damage. Coverage can include equipment at home, at venues, and in transit to events.

Question 5

Is cyber liability important for esports events?

Accepted Answer

Yes, cyber insurance is increasingly essential for esports. It covers DDoS attacks disrupting live tournaments, data breaches exposing participant information, account compromises, and ransomware incidents. Many gaming events are targeted specifically because of their online visibility.

Question 6

Can online-only tournaments get insurance?

Accepted Answer

Yes, virtual esports events can obtain coverage including cyber liability for platform outages and attacks, prize money protection, professional indemnity for tournament organisation, and business interruption coverage for technical failures.

Question 7

Do professional esports players need personal insurance?

Accepted Answer

Professional players should consider personal accident insurance covering gaming-specific conditions like RSI and carpal tunnel, income protection if unable to compete, equipment coverage for personal setups, and health insurance including mental health support.

Question 8

What is event cancellation insurance for esports?

Accepted Answer

Event cancellation insurance protects tournament organisers against financial losses when events must be cancelled due to circumstances beyond their control, such as venue unavailability, severe weather, key participant illness, or technical failures. It covers non-recoverable costs like venue deposits, marketing, and prize commitments.

Question 9

Do UK venues require insurance for esports events?

Accepted Answer

Most professional UK venues require event organisers to show proof of public liability insurance before booking confirmation. Minimum requirements typically range from £2 million to £10 million depending on venue size. Many venues also require being named as additional insured on your policy.

Question 10

How do I compare esports insurance providers?

Accepted Answer

Compare providers based on their esports industry experience, coverage breadth, policy exclusions, claims handling reputation, and pricing. Look for insurers who understand gaming-specific risks like DDoS attacks, player health conditions, and high-value equipment. Get multiple quotes to compare coverage and terms.

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