From a $40,000 garage build to a 12-bay entertainment venue, your standard policy probably wasn't written for this. Ours was. Equipment, liability, business interruption — covered.
A $50,000 home setup and a commercial sim lounge face very different risks. We underwrite both, and we don't make you fit into a one-size-fits-all general business policy.
Your homeowners policy probably caps electronics at $1,500 — your launch monitor alone cost ten times that. We cover the equipment, the build-out, and the liability when friends come over to hit balls.
Home Coverage →Multi-bay facilities, food and beverage service, leagues, lessons, events. General liability, liquor, business interruption, equipment breakdown — the full stack, sized to actual sim-bar economics.
Commercial Coverage →You bring the simulator to weddings, corporate events, fundraisers, and parties. Your policy needs to follow the equipment, the venue, and the guests — wherever you set up that day.
Mobile Coverage →Teaching pros, swing coaches, fitting studios. Professional liability for the advice you give, plus the equipment, premises, and student-injury coverage your standard E&O won't touch.
Instructor Coverage →Most agents have to chain together three or four carriers to cover a sim business properly. We've already done the work — every coverage type below is available through the program.
Launch monitor, projector, screen, computer, enclosure, mat. Replacement-cost coverage that actually reflects what this gear costs to replace today.
A guest gets hit by a flying club, slips on the mat, or a screen falls. Bodily injury and property damage coverage scaled to the actual risk profile of indoor golf.
If you serve alcohol — and most sim lounges do — you need this. Often the line between an underwriter saying yes and saying no for commercial venues.
Projector dies, electrical fire, water damage upstairs. Coverage for lost revenue while you're rebuilding bays and getting back online.
Mechanical and electrical failure of HVAC, electrical systems, and the simulator hardware itself. Different from inland marine — and just as essential.
Booking systems, payment processing, and member data. Modern sim businesses run on software, which makes them targets. Coverage scaled to small-business reality.
No 40-question intake form, no opaque underwriting. We've built this for the way simulator owners and operators actually want to work — clear expectations, real numbers, and a real person on the other end.
A short form — type of operation, equipment value, location, coverage needs. Two minutes if you're a homeowner, ten if you're running a multi-bay facility.
Our team matches you to the right carrier from our specialty network. You see actual numbers, not a "starting at" range. Most quotes back within 10–14 days; complex commercial risks can take up to 30 days for the full specialty underwriting work.
Pay, sign, and you're protected. Certificates of insurance available immediately for venues, landlords, or event organizers that need them.