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Game Developers Insurance

Game developers know from first-hand experience the importance of staying ahead of the curve. With technology, user appetites, apps and platforms forever updating and changing, its essential you have the correct insurance protection in place for you and your business throughout.

Why Choose Performance Gaming?

At Performance, we have a wealth of knowledge and expertise providing insurance solutions to those in creative industries such as film, media, photography, gaming and esports.

As a game developer, it is true to say that you are working on the very frontline of the industry, which can leave you vulnerable to insurance exposures such as cyber attacks, breach of contracts and intellectual property disputes amongst others. With these topics in mind, it’s important to have the right insurance coverage in place to help you, your staff and your business mitigate the chances of detrimental harm and/or loss.

Whether you’re a self-employed developer or part of a larger company, Performance offers a range of gaming insurance options to help you protect your assets and lower the risk of losing them. For more information about the insurance we provide, please see below:

What Is Covered?

Gaming insurance policies typically provide coverage for various risks and liabilities associated with the development and distribution of games and applications. While specific coverage may vary depending on your specific needs, the insurance policy and the provider, here are some common areas that are typically covered

Public Liability: This coverage protects against third-party claims for bodily injury or property damage, caused by the negligence of your business. For example, a gaming developer attending an exhibition left exposed cables on their stand. A third party person tripped over these cables, causing injury.

Professional Liability (Errors and Omissions Insurance): Also known as E&O insurance, this coverage protects against claims arising from professional mistakes, negligence, or failure to deliver the promised services. It can cover claims related to software bugs, programming errors, design flaws or failure to meet client expectations or contractual obligations.

Intellectual Property (IP) Infringement: This coverage protects against claims made if your game infringes upon the copyrights, trademarks, or patents of another person or entity. It can cover legal defense costs, and any damages awarded against you.

Cyber Liability: Given the digital nature of games and apps, cyber liability insurance is crucial. It provides coverage for data breaches, hacking incidents, unauthorised access, or loss of customer data. It can help cover the costs associated with data recovery, notification to affected parties, legal expenses, and potential lawsuits.

Product Liability: This coverage is particularly important if you develop hardware devices or physical products associated with your game or app. It protects against claims arising from defects or malfunctions of the products, which may cause bodily injury or property damage to a third party.

Business Interruption: This coverage helps compensate for lost income and additional expenses if your game or app development operations are interrupted due to an insured event, such as, but not limited to, a fire, flood or natural disaster.

Commercial Property: This coverage protects your physical assets, such as office equipment, computers, servers, and other property related to your games development business.

All policies can be tailored to suit your needs.

Employee Benefits

In the world of gaming, having the right tools and strategy is essential for success. The same holds true for your employee benefits. Offering the right package can give your business the edge it needs to attract and retain top talent and create a happier, healthier, and more productive team.

We understand that every business is unique, with distinct needs and evolving expectations. That’s why our dedicated employee benefits consultants work closely with you to create a benefits programme that sets your business apart from the competition.

Whether you’re looking to enhance your current benefits or introduce new solutions, your dedicated consultant will work closely with you to build a benefits programme that aligns with your goals, supports your people, and fits within your budget.

We can help you with:

Private Healthcare, including Private Medical Insurance, Dental insurance, and Optical needs.
Protection Benefits: Keeping your people safe and healthy, both physically and mentally.
Physical, Mental, and Financial Wellbeing: Supporting your employees in every aspect of their lives.
Retirement and Financial Education: Equipping your team with the knowledge they need for a secure future.
Flexible Benefits and Benefits Technology: Offering customisable solutions that cater to diverse needs.

Please reach out if you would like to enquire about our Employee Benefits range as part of our wider review of your insurance arrangements.

Contact us

A video game controller with glowing buttons rests on a wooden surface, illuminated by ambient light.

“We needed fast turn around and broad coverage for our game studio moving into new offices and the Performance team were incredibly helpful, walking me through the whole process whilst laying out our best and most affordable options he made the complicated process of securing insurance painless and easy.

Highly recommended to anyone seeking professional service with a personal touch.”

James Bruce, Salt Studios Ltd

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FAQs

What types of insurance coverage do gaming manufacturers need?

Each business will have their own unique needs and requirements but a games developer, at minimum, needs to insure the essentials; property, contents and their equipment, cyber cover, professional indemnity and liability insurance for staff, products and the public.

There are other important considerations such as business interruption cover, cover for intellectual property disputes amongst others but all areas we can discuss with you if you need any further clarity on your own specific circumstances and needs.

Why is insurance important for gaming manufacturers?

Insurance is there to protect you for when things go wrong – your extra life. Insurance cover helps provide financial stability and protection against litigation, which, without insurance, can be costly to the business and can easily derail your creative projects. Insurance is also a legal requirement in instances such as when you are directly employing the services of others.

How can you help protect me from the fallout of a cyber-attack or ransom request?

When purchasing a specialist cyber package from our trusted insurance providers, protection would be provided against the impacts of a cyber hack, ransom, data breach and regulatory fines. The specialist team provided by the insurers can also assist in finding how the cyber attackers infiltrated your systems and help close that door.

Can you provide a policy which protects me from intellectual property infringements?

Yes – Intellectual property are rights based; breach those rights and someone can bring an action against you and your business. IP insurance can help protect against claims relating to copyright breaches, trademark breaches and patent disputes too. IP can also extend to confidential information and trade secrets.

Can we adapt our policy as our business scales?

Yes. The team here at Performance Gaming are here and ready to help you, whenever you need. Our policies are as flexible as you need them to be and so if you have new equipment ordered or a studio refit and your sums insured need tweaking, just give us a call.

Why Performance Gaming – what are you doing differently?

At Performance, we have a strong history in working with the creative industries and pride ourselves on being there for every one of our clients, regardless of size. Everyone matters the same. You will get an honest, reliable and trustworthy service and we are here for you.

Through our Employee Benefits team, we can even help you retain and attract the very best talent in the business by providing tailored packages which offer your staff with mental health support, contributions towards eye care and dentistry. Insurance packages which help set you apart.

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Performance is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.