--- title: "Game Studios" description: "Spot helps game studios and developers buy errors and omissions, cyber and equipment coverage that matches their publisher contracts, live services and esports events." canonical: "https://spot.insure/insurance-for/gaming" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-for/gaming) ## Agent Guide **What this page is:** Spot helps game studios and developers buy errors and omissions, cyber and equipment coverage that matches their publisher contracts, live services and esports events. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for Game Studios Get quotes from game studio insurance providers with Spot. We get quotes that fit the studio you actually run and help you buy before a publisher deal, a launch or a live event. - Publisher milestones and indemnities checked against your policy - Cyber quoted on your player data and vendor dependencies - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=professional-errors-omissions&industry=gaming&icp=startups). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **Tell us what your studio runs itself.** Your Spot team maps which parts your studio runs, from development and hosting to moderation, payments and player support, and which depend on vendors, then turns that into the submission. 2. **Check the publisher deal against your coverage.** Send the publisher or platform agreement. Spot lists its milestones, service levels, indemnities and required limits, and flags where your errors and omissions or cyber terms fall short. 3. **Ask how each quote handles a bad launch.** Your broker takes the submission to insurers, and Spot compares how each proposal treats a missed milestone, compromised player accounts and a hosting outage. ## Who we help - **Work-for-hire and co-development studios.** You deliver builds and milestones to a publisher, and the contract spells out acceptance tests, warranties and the insurance you carry. - **Live-service teams.** Player accounts, payments, chat and anti-cheat run through cloud vendors, and an outage or breach can become your problem. - **Esports and event teams.** Streaming rigs and demo stations travel to venues and conventions, and organizers ask for proof of coverage. - **Studios hiring across states.** Remote developers in several states change how workers’ compensation is set up and reported. ## Coverage - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions) - [Cyber liability](https://spot.insure/insurance/cyber) - [Tools, equipment and inland marine](https://spot.insure/insurance/inland-marine) - [Commercial property](https://spot.insure/insurance/commercial-property) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) ## When to get this coverage - **You’re signing a publisher deal.** The agreement sets milestones, acceptance terms and required insurance. Get those compared with your quote before you sign. - **Your game is going live-service.** Accounts, payments and chat bring cyber questions a boxed release didn’t, including what happens when an anti-cheat or cloud vendor goes down. - **Players can now upload or share content.** Document your service role and how you handle notices, then revisit the submission with the new feature described. - **You’re taking rigs to a tournament or convention.** Schedule owned, rented and borrowed equipment and confirm which transit legs and venues the inland marine form lists. ## Common questions Also known as game studio insurance, game developer insurance, game development insurance, video game company insurance and esports insurance. ### What insurance does a game developer need for a publisher deal? Publishers commonly ask for errors and omissions or media coverage for the game itself, and live services bring cyber for player data. Studios also insure gear with inland marine and property, and staff with workers’ compensation. Spot reads the publisher’s clause first. ### What should a live-service studio send for a cyber quote? Send a map of account and payment data, chat and user-content features, cloud hosting, anti-cheat and support vendors, and how players reach the service. Your Spot team turns that map into the cyber section of your submission. ### Does general liability cover a missed milestone? Don’t assume it does. Missed milestones and software performance are errors and omissions questions. Spot compares those proposals against your publisher contract. ### Does a DMCA agent designation protect every upload? No. It’s a process for certain online service-provider roles, it doesn’t decide whether your service qualifies, and it isn’t insurance. Spot asks brokers how each form treats user content. ### Can the broker who placed our first E&O policy stay on? Yes. Spot works alongside them on your publisher-deal and live-service questions, or helps you move to a broker who places more studio business. Spot takes no commissions on premiums. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/gaming.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)