A Building Full of Cash, Alcohol, and Crowds, Around the Clock.
Protecting casinos, card rooms, and gaming establishments
Casinos and card rooms run gaming floors — slots, table games, poker rooms — usually alongside bars, restaurants, entertainment, and sometimes hotels, operating around the clock. The defining feature is enormous amounts of cash moving through a crowded, alcohol-served, 24/7 environment under heavy gaming regulation, which stacks crime, liquor, assault, property, and cyber exposures into one operation. That cash-and-crowds-under-regulation profile is what defines the class. A casino needs coverage built around crime and cash liability, liquor and assault exposure, high-value property and income, and the cyber and regulatory demands of gaming. This is a corner of hospitality and specialty insurance built for how gaming operations actually take loss.
Properly structured coverage protects the operation, its patrons, and the funds moving across the floor.
The Casino's Signature Exposures
The defining exposure is crime and cash: robbery, cheating and fraud, and — most of all — employee dishonesty and internal theft in a cash-intensive operation, addressed by a broad crime/fidelity program. Liquor and assault-and-battery liability follow the alcohol and crowds (over-served patrons, altercations, ejections), a serious severity area for gaming venues. The property is high-value and business interruption is significant given 24/7 revenue. Cyber and patron-data breach (loyalty programs, payment, player tracking) is a growing front, and D&O, EPLI, and heavy gaming-regulatory compliance add management exposure. Tribal and commercial casinos differ in legal framework.
Key Risks in Casino & Card Room Operations
Casinos and card rooms face exposure related to:
Robbery, cheating, fraud, or counterfeit at the cage or on the floor
Employee dishonesty and internal theft in a cash operation
An assault, altercation, or over-service (liquor) claim involving a patron
A slip-and-fall or premises injury in a large 24/7 venue
A fire or catastrophe closing a high-revenue property
A cyber or data breach of patron, payment, and loyalty data
A regulatory, D&O, or employment-practices claim
A building full of cash, alcohol, and crowds, around the clock, is what most defines the class.
Core Coverages for Casinos & Card Rooms
A properly built casino program typically includes:
Commercial Crime / Fidelity (Cage & Employee Dishonesty) — Covers robbery, fraud, counterfeit, and internal theft in a cash-intensive operation — the core exposure.
Liquor Liability & Assault/Battery — Cover over-service and altercation claims on an alcohol-served floor.
Commercial General Liability & Premises Medical — Cover patron injury across a large 24/7 venue.
Commercial Property, Equipment Breakdown & Business Income — Cover the high-value property, systems, and significant income.
Cyber & Privacy Liability — Covers breach of patron, payment, and loyalty data.
Management Liability (D&O / EPLI) & Regulatory Cover — Cover governance, employment, and gaming-regulatory exposure.
Umbrella / Excess Liability — Adds limits over a severe assault, liquor, or property claim.
What's Commonly Overlooked
Casino programs are most often weakened by:
Crime/fidelity limits below the real cash and internal-theft exposure
Assault-and-battery and liquor sublimited or excluded despite being a top severity
Cyber coverage too narrow for player-tracking, payment, and loyalty data
Business-income limits short for a 24/7 revenue operation
D&O, EPLI, and gaming-regulatory exposure underinsured
The gaps that hurt most are undersized crime limits and thin assault/liquor coverage.
Real-World Claim Examples
An employee or ring skims from the cage over time
A robbery or cheating scheme hits the floor
An over-served patron is injured, or an altercation leads to an assault claim
A patron is injured on the premises
A breach exposes patron payment and loyalty data
Any one of these can be significant, and the crime/fidelity and assault/liquor claims are the most distinctive.
Regulatory & Licensing Context
Gaming is among the most heavily regulated industries: state gaming commissions (or tribal gaming authorities and the National Indian Gaming Commission for tribal operations) license operators, key employees, and vendors, and impose surveillance, internal-control (MICS), and cash-reporting standards. Casinos are subject to Bank Secrecy Act / anti-money-laundering rules with SAR/CTR filing, liquor licensing and dram-shop law, and extensive employment and premises regulation. Tribal sovereignty shapes the legal and insurance framework for tribal casinos. This regulatory weight drives both the crime/AML and management exposure.
Why Proper Placement Matters
Underwriters weigh the size and type of gaming, cash volumes and cage controls, surveillance and internal controls, alcohol service and security/assault history, property values, cyber and player-data security, tribal versus commercial status, and loss history. Because it's a cash-intensive, high-severity, heavily regulated specialty, casinos are placed through gaming-specialty markets. Sizing crime/fidelity to real cash exposure, covering assault and liquor adequately, and pairing cyber with strong controls are the essential steps.
Our Approach
At Cory Washington & Co., we insure casinos and card rooms around the cash, the crowds, and the regulation — placing broad crime/fidelity for the cage and internal theft, liquor and assault coverage for the floor, high-value property and business income for a 24/7 operation, and cyber and management liability for the data and governance. We also insure related businesses, including nightclubs, bars and taverns, hotels and motels, and online gaming and sportsbook operators.
A building full of cash, alcohol, and crowds around the clock makes a casino a distinct risk — we build the coverage to match it, crime, liquor, and assault included.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages a casino & card room business may carry — core, prevalent, and situational — plus the gap most often missed, in the Casino & Card Room Coverage Checklist.
Complete the Casino & Card Room Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get casino & card room insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate casino & card room insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What does casino & card room insurance cost?
Premiums vary from business to business. The main drivers of casino & card room insurance pricing are the nature of your operations, your revenue and payroll, your loss history, and the limits you carry. Rather than quote a flat figure, we negotiate across several markets and walk you through the options, so you only pay for the protection you actually need.
Is casino & card room insurance required?
It depends on your situation. Some coverage is required by law; more often, casino & card room insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.