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Company insurance is intended to safeguard the financial assets of a business owner and is a necessary investment for a gaming truck.

Company insurance is intended to safeguard the financial assets of a business owner and is a necessary investment for a gaming truck.

This article will discuss the primary insurance coverage for gaming trucks, general liability insurance, as well as additional policies that are appropriate for this industry.

Game Truck General Liability Insurance

Every firm, regardless of sector, has risks that should be insured. General liability insurance is the most frequent and comprehensive form of coverage that company owners purchase.

General liability insurance covers the following risks:

Physical harm

Damage to property

Medical expenses

Legal defence and decision

Personal and commercial harm

While general liability insurance is not legally needed for companies, operating without it is exceedingly dangerous. If your company is sued, you might face costs in the hundreds of thousands of dollars (or more). The only way to avoid this sort of catastrophe from destroying your organisation is to have an adequate general liability insurance coverage in place to assist pay for these losses.


Example 1: One of the partygoers slips and fractures his arm as he steps out of the gaming truck. Your general liability coverage should cover both medical bills and any awarded damages.

Example 2: Your firm’s logo is similar to that of another company in a nearby town. They hold a copyright on their logo and are suing for infringement. General liability insurance may cover both legal expenses and possible damages.

Example 3: A client complains that one of your company’s gaming trucks scratched their vehicle at a party where you were working. The consumer expects you to cover the cost of the damage. A general liability coverage is intended to cover these sorts of costs.

Of course, this is not an entire list of risks covered by a general liability insurance policy, and certain situations may result in a specific peril not being covered. To minimise coverage gaps, it’s always better to speak with your agent about the terms of your policy.

General Liability Insurance Cost

In America, game trucks typically pay between $450 and $1,000 every year for $1 million in general liability insurance.

The cost of your coverage will be determined by a number of variables. Among them are your:



Employees’ number

Per-occurrence restriction

The overall aggregate limit

You may be able to get general liability insurance at a lower cost if you buy it as part of a business owner’s policy (BOP) rather than as a separate policy. A business interruption policy (BOP) is a more complete option that covers numerous types of coverage, such as business interruption and property insurance.

Other Types of Game Truck Coverage

While general liability insurance is the most crucial, there are various different types of coverage to be aware of. Other forms of insurance that all gaming vehicles should have are as follows:

Insurance for Commercial Vehicles

Because your company uses cars on public roads, a commercial auto coverage should be included in your insurance package. Each state requires that a firm obtain a certain quantity of coverage.

While your state requires a minimum level of coverage, game truck firms are advised to obtain higher amounts, which provide greater protection in the event of a covered loss.

Insurance for Commercial Property

Game truck companies spend much on equipment, converting each vehicle into a mobile game room. Work with your insurance agent to verify that your equipment is appropriately insured in the event of a loss. Business owners who do not have a physical site should research the appropriate coverage for their requirements.

Commercial property insurance is often included in a company owner’s package (BOP).

Coverage Options for Some Game Trucks

In addition to the insurance listed above, your gaming truck may need other forms of coverage based on specific parts of your activities. Some of them may not apply to you, so be sure to ask your agent whether policies are appropriate for your company.

Insurance for Workers’ Compensation

Most states require firms with employees to have a workers’ compensation insurance in place. If an employee is injured on the job, this coverage will pay their medical costs and missed earnings. If they chose to pursue extra damages, the insurance will cover you up to the policy’s limitations.

Additional Security Measures for Your Company

Although investing in company insurance is simple (and necessary), it should not be your first line of defence. Yes, insurance will reimburse your company for cash losses incurred as a result of an occurrence, but it is much preferable to avoid losses altogether.

With this in mind, here are a few steps you can take to better secure your company:

Make use of legally binding contracts and other business agreements. (We provide free templates for several of the most often used legal forms.)

To safeguard your personal assets, form a limited liability company (LLC) or a corporation. (To discover how to incorporate an LLC or company in your state, see our step-by-step tutorials.)

Keep your company licences up to date.

Streamline the internal procedures of your company. This will eliminate unneeded variables from routine activities and establish a secure, consistent environment in which to do business.

If your company is an LLC, you should check into LLC insurance.