Multi-bay facilities, beer and bourbon, leagues until midnight, league shirts at the bar, lessons in bay 4. Most carriers underwrite this like a generic indoor entertainment venue. We underwrite it like the business it actually is.
Every commercial sim business is shaped a little differently. We underwrite each based on actual operations, not a one-size-fits-all SIC code.
Multi-bay facility with food and beverage service. Often the most complex risk profile — needs the full stack including liquor liability, business interruption, and proper GL limits for an entertainment venue.
Pure golf focus — no alcohol service, often with practice bays, putting greens, and instruction. Lower liability profile but high equipment and business interruption exposure.
Teaching pros, swing coaches, club fitters operating out of a sim space. Need professional liability, premises liability, and equipment coverage. Often run as solo or 1–3 person operations.
Bringing simulators to weddings, corporate events, fundraisers. Coverage that follows the equipment to different venues, including event-specific liability and transit coverage.
Most agents place sim businesses by chaining together a BOP, a separate liquor policy, an inland marine endorsement, and praying it all coordinates if anything goes wrong. We've built it as one program.
The foundation. Covers bodily injury and property damage to third parties — a guest hit by a club, a slip on the tile, a screen falling and damaging someone's property. Limits typically $1M per occurrence / $2M aggregate, scalable up.
If you serve alcohol, this isn't optional — it's table stakes, and it's often the line between an underwriter saying yes or no to your whole package. Covers you for damages caused by a patron you served who later injures someone.
Replacement-cost coverage on launch monitors, projectors, screens, simulator PCs, hitting mats, enclosures. For a 6-bay facility, total equipment value is often $300K–$600K. Standard commercial property coverage rarely contemplates this.
The bay you can't rent because the projector died is revenue you'll never get back. Covers lost income while you're rebuilding bays after fire, water damage, equipment failure, or other covered events.
Distinct from inland marine. This covers mechanical and electrical failure of the simulator hardware, HVAC systems, electrical panels, and connected systems. The reason a $9,000 projector spontaneously dying isn't a covered event under most basic policies.
Sim businesses run on software — booking systems, payment processing, member databases, league management platforms. Data breach exposure is real, and small businesses are increasingly targeted. Coverage for breach response, notification costs, and liability.
These are the situations operators describe to us during the quote process — and the kinds of claims this program is built to handle. Names and amounts illustrative.
Patron drank at the lounge over the course of three hours, drove home, was in a serious accident. Family of injured third party sues the lounge for over-service. Two years of litigation.
Birthday party. One guest's grip slips, club flies into the next bay over, hits another guest in the temple. ER visit, concussion, missed work. Plaintiff's attorney files a $250K demand.
HVAC unit fails in July. Sim room hits 92 degrees, then water from the AC unit floods the bay. Three bays out of service for 11 weeks during peak summer. Direct revenue loss tracked at over $40K.
Power surge during a storm takes out the simulator PCs in three bays at once. Equipment is salvageable but software systems are corrupted. Ten days of downtime to rebuild.
Third-party booking platform breached. Customer payment data and personal information for 1,400 members exposed. State law requires notification, monitoring services, and brings regulatory inquiry.
Frozen pipe upstairs bursts overnight. Two bays get hit with significant water damage. Hitting mats, screens, and one launch monitor destroyed. Build-out drywall and electrical require redoing.
Most sim operators have a story about a generalist underwriter asking why they need so much equipment coverage. We've gone deep on this category — the result is faster quotes, better-fit coverage, and underwriters who don't need the basics explained.
Our underwriters understand simulator hardware values, league night exposure, the difference between SkyTrak and Trackman risk profiles, and what a typical rev-per-bay-hour means. You don't have to translate.
Initial response within one business day. Real quote numbers for most operations typically within 10–14 days. Complex commercial risks — multi-bay lounges, F&B operations, prior claims — take up to 30 days because real specialty underwriting is the work. We move fast where speed is appropriate and take time where it’s needed.
Landlord wants a COI tomorrow. Event venue needs one for a Saturday corporate booking. League sponsor requires one before the season starts. We turn these around same-day, often within the hour.
Whether you're opening location two next quarter or running a five-location franchise, the program scales. Single master policy with location schedules, not five separate policies that have to be coordinated.
The questions that come up most often during the quote process. Don't see yours? Add it to your quote request — we read every note.