My Account
We work with leading UK insurers for gaming & immersive tech businesses
INSURANCE DESIGNED FOR GAMING, VR & IMMERSIVE EXPERIENCES
-
PLAYER & USER CLAIMS
-
IP & COPYRIGHT RISK
-
LIVE EVENTS & DEMOS
-
ONLINE PLATFORM RISK
Why Gaming & VR Developers Need Specialist Insurance
Games and immersive experiences combine complex code, creative IP, in-app purchases, live services and
community interaction. Projects often involve publishers, platforms, licensors and brand partners – each
with their own contract and insurance requirements.
From claims around IP and likeness rights to outages, bugs or content disputes, a tailored insurance
programme helps protect your studio, satisfy publisher/platform contracts and reassure investors and partners.
Key Insurance Cover for Gaming & VR Developers
Protection for studios producing console, PC, mobile, VR/AR and live-service games.
- Professional Indemnity – for errors in development, design, technical implementation or advice to clients.
- Media & IP Liability – for copyright, trademark, character likeness, music and content disputes.
- Cyber & Data Liability – for breaches involving player data, login details or payment information.
- Technology E&O – for financial loss caused by bugs, failed updates, downtime or service issues.
- Public Liability – for physical injury or property damage at events, offices or VR demo spaces.
- Employers’ Liability – for UK teams with employees or labour-only contractors.
- Property & Equipment – PCs, consoles, dev kits, VR headsets and motion capture equipment.
- Directors & Officers – protection for founders and directors against management-related claims.
Common Risks for Gaming & VR Development Studios
- Allegations of copying game mechanics, characters, artwork, music or storylines.
- Platform takedowns or delisting over content or rights disputes.
- Revenue loss claims due to buggy releases, broken updates or server downtime.
- Player data breaches in online, mobile or live-service titles.
- Injuries during VR demos, exhibitions or location-based experiences.
- Damage to venue property at trade shows, esports events or conferences.
- Investor or publisher disputes over missed milestones or scope changes.
- Hardware theft or damage affecting development or live operations.
Why Choose Insure24 for Gaming & VR Developer Insurance?
- Experience with software, digital media and creative technology businesses.
- Policies that consider both technical and creative IP risk.
- Ability to combine PI, media, cyber and public liability in one programme.
- Support for indie studios, remote teams and established gaming brands.
- Options to align limits with publisher, platform and brand-licensing contracts.
- Documentation suitable for investors, publishers and platform onboarding.
- Guidance on cover for in-game events, live ops and esports activation work.
How to Arrange Insurance for Gaming & VR Developers
- 1. Tell us what you build – console, PC, mobile, VR/AR, live-service, B2B or consumer titles.
- 2. Outline your distribution – self-published, via platforms, publishers or client work-for-hire.
- 3. Share any contractual insurance requirements from publishers, platforms or partners.
- 4. Provide an overview of your player numbers, revenue and key territories.
- 5. We source quotes from insurers who understand gaming, media and technology risk.
Gaming & VR Businesses This Insurance Is Designed For
Cover options for a broad range of studios, teams and service providers.
Game Development Studios
- Indie & AA Game Studios
- Mobile & Casual Game Developers
- Console & PC Game Studios
- Live-Service & Free-to-Play Developers
- Co-development & Outsourcing Studios
- Art, Audio & Technical Service Providers
VR, AR & Experiential Teams
- VR/AR Development Studios
- Location-Based VR Experience Providers
- Training & Simulation Developers
- Experiential & Brand Activation Agencies
- Esports Event & Tournament Organisers
- Metaverse & Virtual World Creators
When we signed with a major publisher, the contract insurance requirements were daunting. Insure24 helped us build a PI, media and cyber package that ticked every box without breaking our budget.
Tom W., Game Studio FounderFREQUENTLY ASKED QUESTIONS
+>-
Do small indie game studios really need insurance?
If you sign contracts with publishers, platforms or brands, or handle player data and community content,
then yes – even small studios can face IP, liability and cyber risks that are difficult to absorb without insurance.
+>-
What’s the difference between PI, media liability and cyber insurance for game developers?
Professional indemnity focuses on errors in your work or services. Media liability deals with IP,
copyright and content claims. Cyber insurance addresses data breaches, hacking and network-security issues.
Many gaming & VR studios combine all three.
+>-
Will our policy help satisfy publisher or platform requirements?
Yes. We can shape cover and limits around specific contract clauses and provide documentation
that publishers, platforms and licensors are used to reviewing.
+>-
Does this cover physical VR events and demos as well as online games?
Yes – we can include public liability and related covers for exhibitions, trade shows, VR demo areas
and location-based experiences, subject to underwriter acceptance.
+>-
Can gaming & VR studios pay monthly for insurance?
Yes – monthly payment plans are usually available via premium finance (subject to status), which can
help smooth costs across your development and launch cycles.