Looking for Gambling Facilities Insurance?
Protect your gaming facility from liability claims, theft, property damage, and regulatory issues. Harper provides insurance for casinos, card rooms, gaming parlors, and entertainment gaming facilities, with fast certificates for regulators, lenders, and landlords.
What is Gambling Facilities Insurance?
Gambling facilities insurance protects gaming operations from patron injuries, theft, cash handling losses, property damage, and regulatory compliance exposure. Coverage typically includes general liability, property insurance, crime coverage, liquor liability where applicable, and workers compensation. Gaming commissions, lenders, and landlords require proof of insurance before licensing, financing, or leasing facilities.
Gaming & Premises Liability
Covers injuries to patrons or guests arising from slips, falls, altercations, or incidents on the gaming floor.
Crime & Theft Coverage
Protects against employee theft, embezzlement, cash handling losses, and certain criminal acts.
Property Protection
Covers gaming equipment, surveillance systems, slot machines, cash-handling infrastructure, and facility assets.
Liquor Liability
Covers alcohol-related incidents if alcohol is served on premises.
Certificates
Fast proof of insurance for gaming regulators, lenders, and landlords.
Who Needs Gambling Facilities Insurance?
- Casinos : Businesses requiring specialized insurance coverage
- Card rooms : Businesses requiring specialized insurance coverage
- Gaming parlors : Businesses requiring specialized insurance coverage
- Entertainment gaming facilities : Businesses requiring specialized insurance coverage
Why Harper?
Gaming Industry Expertise
Harper understands the operational and regulatory demands placed on gaming facilities, from cash exposure and surveillance requirements to patron safety and licensing compliance.
Fast Proof for Licensing & Financing
Gaming regulators and lenders often require detailed insurance documentation. Harper delivers compliant certificates quickly to support licensing and financing timelines.
Clear, Practical Guidance
We explain liability, crime, property, and liquor coverage clearly so operators understand how coverage applies across gaming operations.
Coverage Aligned to Your Facility
Whether you operate a casino, card room, or entertainment gaming venue, Harper aligns coverage with your size, cash flow, and regulatory environment.
Frequently Asked Questions
What insurance do gambling facilities need?
Most facilities need general liability for patron injuries, property coverage for equipment and buildings, crime coverage for theft and cash losses, liquor liability if alcohol is served, and workers compensation. Large operations often require umbrella coverage.
Is gambling facility insurance required?
Yes. Gaming regulators typically require comprehensive liability and property coverage before issuing or renewing licenses. Lenders also require extensive coverage for financing.
How much does gambling facility insurance cost?
Small card rooms may pay $10,000–$25,000 annually. Casinos and large gaming facilities often range from $50,000 to $500,000+ depending on size, revenue, and operations.
Does insurance cover patron disputes or altercations?
General liability may cover injuries arising from patron disputes when proper security measures and protocols are in place.
Does insurance cover employee theft or fraud?
Crime coverage protects against employee theft, embezzlement, and fraudulent cash handling, subject to policy terms and internal controls.
Can regulators require specific insurance terms?
Yes. Gaming commissions often mandate minimum limits, specific endorsements, or reporting language. Harper ensures policies meet all regulatory requirements.