Get Started

What should I include when quoting a public VR demo or arcade?

Describe the venue, customer access, supervision, session flow, equipment, staff, and whether customers can move through a physical space while wearing a headset.[1]

Include leases, event agreements, equipment values, setup and teardown, contractors, and the dates equipment travels. Ask whether the quote identifies temporary locations and customer-facing operations.[1]

If the experience stores accounts, voice, or movement data, provide the data flow and ask about actual cyber terms. Current sources do not settle sensor-specific legal questions or prove insurance applicability.[1][3]

Read the Virtual and Augmented Reality Insurance Buying Guide

Sources and Further Reading

  1. Commercial Insurance Guide — 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.
  2. 47 CFR § 2.803 — Marketing of radio frequency devices prior to equipment authorization — Office of the Federal Register, Electronic Code of Federal Regulations (eCFR). Current text, paragraphs (a)–(c), lines 109–145; eCFR states Title 47 current as of 2026-09-24

    Current eCFR text on applicable RF-device marketing and authorization rules.

  3. Children’s Online Privacy Protection Rule: A Six-Step Compliance Plan for Your Business — Federal Trade Commission. Factors for determining whether a service is directed to children under 13, lines 50 onward

    FTC child-directed service guidance; it does not resolve every sensor-data question.

  4. Lithium Battery Guide for Shippers — U.S. Department of Transportation, Pipeline and Hazardous Materials Safety Administration. Guide description, October 2024 update

    PHMSA’s October 2024 shipper guide reflects May 2024 requirements; check current hazardous-material rules for each shipment.

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

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot