Esports Organization Insurance Coverage Checklist
The coverages an esports organization business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for esports teams, gaming houses, tournament organizers, and venues. Priorities reflect typical exposure for this class; confirm against your actual operations and events.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (incl. Events) | Covers injuries at events, gaming houses, and facilities. | Core | |
| Media Liability | Covers copyright, music, and defamation claims from streams and videos. | Core | |
| Cyber Liability | Covers hacked accounts, DDoS attacks, and data breaches. | Prevalent | |
| Event Cancellation | Covers lost costs when a tournament is cancelled or postponed. | Prevalent | |
| Employment Practices Liability | Covers harassment and contract claims by players and staff. | Core | |
| Workers' Compensation / Employer's Liability | Covers employed players and staff, including repetitive strain. | Core | |
| Abuse & Molestation | Needed if you sign or house players under 18. | Situational | |
| Directors & Officers | Covers owners in investor and sponsor disputes. | Prevalent | |
| Liquor Liability | Needed if alcohol is served at events or watch parties. | Situational | |
| Foreign Travel / International Package | Covers staff and players competing abroad. | Situational |
The coverage gap most often missed
The gap most often missed by esports organizations is live events. Teams that start hosting LANs and watch parties take on crowd security, permits, and liquor exposure their policies may not cover — a 2018 Jacksonville tournament shooting led to suits against the publisher, venue, and mall over security. Confirm your GL covers events you host, add event cancellation, and require venues and security firms to name you on their insurance.
Send us the checklist and we'll review your esports organization coverage line by line, then market it across multiple carriers that compete for your account.
Related: Esports Organization Insurance · Esports Organization Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an esports organization business need?
The core coverages for an esports organization business are General Liability (incl. Events), Media Liability, Employment Practices Liability, Workers' Compensation / Employer's Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my esports organization coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.