Game Publisher's Insurance
Game publishers not only face a variety of risks themselves but are often also the first line of defence for any issues arising from the work of developers under them. From copyright claims to contract disputes. Many insurers are reluctant to cover publishers due to a lack of understanding of the industry, so it is crucial that the cover is from an insurer that knows the industry and your broker understands your unique business.
We frequently work alongside publishers and their legal counsel when drafting the contractual requirements, to ensure their developers carry their own appropriate insurance, protecting the publishers’ interests.
We work with a panel of over 70 different insurers around the world, as well as having our own exclusive in-house products, and work hand-in-hand with our clients to ensure their individual needs are being met and they are covered for their activities.
Whether you are self-publishing your first title, or an industry veteran with an extensive back catalogue, we are here to support and protect your business, with a robust insurance policy at the right price.How is our Publisher Insurance Different?
Understanding Risk
We understand the Games Industry inside out and work with a wide variety of clients and have experience across all sectors of the industry.
As your broker, we will negotiate the best terms with insurers on your behalf, and talk you through the various options, what they cover and how they are relevant to your business giving real-world examples.
We also consult regularly with industry lawyers, ensuring our own knowledge is always up to date, and often work alongside them to manage their clients’ insurance requirements.
The Right Cover
Every client of ours has unique needs. Whether you are bootstrapping development on your first title, or shipping your hundreth, your requirements and risks will be different, however game developement does have many common themes.
If you are already working with a Publisher, it is common for them to seek Professional Indemnity (also known as Errors & Omissions) insurance. Depending on the provider, this type of cover can wildly differ so it is important to be aware of what your individual policy includes.
Employer’s Liability is a legal requirement in the UK if you have staff, and you might also want to consider other products such as equipment insurance, Director & Officers cover, Cyber, Intellectual Property, General Liavility, the list goes on…
We will work with you to build a policy that is exactly right for you, with the covers you want and/or need to have.
Whether you are a first time buyer, have outgrown your existing policy, or just want to satisfy a contractural requirement, we are here to make the process as easy and simple as possible.
Flexible Policies
The Games Industry moves fast, and your insurance should always be ready to move with you. Signing a big deal with a new publisher could change the face of your studio overnight, and if you are still on the small policy you took out 9 months ago, your insurer may not cover you.
Unlike other providers, we do not charge any admin fees to make policy changes throughout the year, and are always happy to hear from you about new developments to your business.
No Surprises
As a Game Developer, it is crucial that you are adequately covered for your activities. Unfortunately, we are seeing more and more developers come to us who have been buying the cheapest cover they can find which does not even cover them for what they do.
In the event of a claim, an inadequate policy would likley be invalidated and the insurer unlikley to pay, leaving the company or you as an individual trying to deal with the claim yourself.
The most common issue we see are developers having their insured activities listed in generic terms such as “technology”. Most insurers do not cover Game Developers or Publishers, and in the event of a claim they may argue you did not properly declare your activity and subsequently are not covered, and refuse to pay.
If you have a current policy elsewhere, we reccomend you check what your business activity is listed as, and if it does not reflect what you are doing or seems generic, get clarity from your provider that they understand what you are doing and they are covering.
We only work with insurers that understand the Games Industry and are willing to take on Games clients. We ensure we capture accurate data and our comprehensive application forms are designed for exactly this reason.
So there are no surprises.
Outstanding Service
We are always on-hand to answer your questions and work hard to give the best possible service to every client regardless of their size.
Here is what some of our clients had to say:
Supporting Good Causes
We pledge a percentage of our insurance premiums directly to Games Aid.
GamesAid acts as a collective for charitable activity on behalf of the industry. They raise money for a number of charities who support children and young people.
We are very proud to be able to support they work they do.
International Support
Insurance, Wherever you are based
With multiple offices in the UK and USA, we are able to support clients in almost any jurisdiction.
We have a panel of over 70 insurers that we work with internationally, and are able to assist in most cases where insurance is available.
Products.
Professional Indemnity
Also known as Errors & Omissions, this is a common contractural requirement and protects from Business to Business Disputes
Cyber
Cyber Insurance covers a range of issues from hacking, ransomware, phishing and extortion. Whether first party or third party, losses could be significant.
Intellectual Property
Whether you are concerned about Copyright, Trademark, Patents or Trade Secrets, make sure you are protecting your most valuable assets.
Directors & Officers
Directors and officers (D&O) insurance protects the personal assets of corporate directors and officers, in the event they are personally sued.
Public & Product Liability
You may have a responsibility to the general public for your products. If something were to go wrong, are you covered?
Contents & Premesis
From laptops, to dev kits to MoCap. These can quickly add up and be expensive to replace.
Umbrella
A common requirement for our USA clients, this covers excess liability beyond the limits of a standard policy.
Employer's Liability
This cover (or similar) is often a legal requirement in many countries, so check whether you need this.
Media Liability
Broadcasters, Streamers, eSports and Media Creators could all be held liable for the content they create.
Event Contingency & Liability
Planning an event or tournament? Depending on the size you may need specialist insurance to cover your liabilities and unforseen issues.
Medical Insurance
For UK clients we are able to offer corporate and individual medical insurance policies to you and your staff.
Piracy & Cheat Protection
We also offer various services beyond insurance to combat piracy and cheating. With DMCA takedown notices and constant monitoring.
Something else?
Ask us.