---
title: "What should a live-service studio send for a cyber quote?"
description: "Map account and payment data, chat or user-content features, cloud hosting, anti-cheat, support vendors, and the way players access the service."
canonical: "https://spot.insure/industries/gaming/what-to-send-for-a-live-service-cyber-quote"
page-type: "industry-faq"
updated-at: "2026-09-28"
---

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# What should a live-service studio send for a cyber quote?

Map account and payment data, chat or user-content features, cloud hosting, anti-cheat, support vendors, and the way players access the service. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Children’s Online Privacy Protection Rule: A Six-Step Compliance Plan for Your Business](https://www.ftc.gov/business-guidance/resources/childrens-online-privacy-protection-rule-six-step-compliance-plan-your-business)

Include incident response steps, outage history if relevant to the application, vendor contracts, data retention, and the service commitments made to players or publishers. FTC child-privacy guidance is a design and audience source, not proof of cyber coverage. [Children’s Online Privacy Protection Rule: A Six-Step Compliance Plan for Your Business](https://www.ftc.gov/business-guidance/resources/childrens-online-privacy-protection-rule-six-step-compliance-plan-your-business)

Ask which events trigger response services, restoration, liability, and interruption protection, and how dependent vendor outages are treated in the actual forms. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm)

## Need Help Choosing Coverage?

Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you.

[Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation)

[Read the Gaming Insurance Buying Guide](https://spot.insure/industries/gaming)

## More Gaming Questions

- [Does designating a DMCA agent protect every user upload?](https://spot.insure/industries/gaming/does-a-dmca-agent-protect-every-game-upload)

## Coverage to Discuss

- [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions)
- [Cyber liability](https://spot.insure/coverage/cyber)
- [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine)
- [Commercial property](https://spot.insure/coverage/commercial-property)
- [Workers’ compensation](https://spot.insure/coverage/workers-compensation)

## Sources and Further Reading

- [Children’s Online Privacy Protection Rule: A Six-Step Compliance Plan for Your Business](https://www.ftc.gov/business-guidance/resources/childrens-online-privacy-protection-rule-six-step-compliance-plan-your-business) — Federal Trade Commission. Step 1 and factors for determining whether a site/service is directed to children, lines 50 onward
  FTC guidance on factors used to assess whether an online service is directed to children.
- [DMCA Designated Agent Directory](https://www.copyright.gov/dmca-directory/) — U.S. Copyright Office. Overview, lines 30–35
  DMCA Designated Agent Directory; use for the scoped operational question described in the cited guidance.
- [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Commercial Insurance Guide, revised June 14, 2024: purchasing coverage, commercial property, inland marine, boiler and machinery, commercial general liability, and workers compensation.
- [Employer information](https://www.dir.ca.gov/dwc/employer.htm) — California Department of Industrial Relations, Division of Workers’ Compensation. Opening section, employer obligation and out-of-state employer paragraph



Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.

Updated 2026-09-28. [Editorial Policy](https://spot.insure/editorial-policy).

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