Spot for VR and AR Companies

Get quotes from 50+ virtual and augmented reality insurance providers with Spot

We get quotes for your headsets, apps and demos, compare them with you and help you buy before you ship or open the doors.

  • Hardware, software and venue risks described separately
  • Headset injuries, software faults and data incidents checked in each quote
  • Keep your broker or switch, with no commissions on premiums
A demo lead adjusts a headset on a visitor holding a hand controller.

How Spot helps VR and AR Companies

Tell us about your headsets and software

Your Spot team collects model, battery, component and manufacturing details, your software features and data flows, and the cloud and SDK vendors you rely on.

Orbit SoftwareOrganized by Spot
AIG
Alliance Risk
Amelia Risk

Compare quotes on device injuries and software faults

With proposals back from your broker, Spot shows how each one handles a device injury, a software fault in a client’s training program and a data incident.

Amelia Risk
Alliance Risk
AIGQuote request

Product liability insurance

Coverage limits · Policy terms

Orbit Software

Check enterprise contracts

Clients buying simulations or headsets for their teams send contracts with performance promises and insurance minimums. Spot checks them against your coverage.

Product liability insurance

Orbit Software · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Get a certificate before the demo

Trade shows and host venues want proof of insurance before you set up. Post the venue’s request in Slack and we’ll get the certificate ready before load-in.

TaylorOrbit Software

Can you help prepare proof of our product liability insurance?

Certificate of insurance

Orbit Software

Ready for your review

How buying insurance works for VR and AR Companies

  1. 01

    Tell us about your business

    Share what you do, where you work, the policies you have and any contracts that ask for insurance.

  2. 02

    We write up your application

    Spot turns it into an application that describes your business the way insurers need to see it.

  3. 03

    We get quotes from insurers

    Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.

  4. 04

    Compare your quotes

    We put the quotes side by side on limits, exclusions and terms as well as price.

  5. 05

    Buy your policy and get certificates

    You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.

VR and AR Companies we help

  • Headset and wearable makers

    Devices, controllers and batteries you sell can injure someone or damage property, and each model belongs in the product liability quote.

  • Immersive software studios

    Simulations, training and integrations you deliver under contract raise technology errors and omissions questions.

  • Arcades and demo venues

    Customers move through a physical space while wearing a headset, so supervision and setup matter to the quote.

  • Platforms collecting sensor data

    Voice, motion and room-map data stored with cloud vendors needs to be part of your cyber application.

Insurance VR and AR Companies usually carry

The policies companies like yours are usually asked for, and when each one comes up.

Insurers that quote VR and AR Companies

Get quotes from 50+ virtual and augmented reality insurance providers with Spot.

  • AIG
  • Alliance Risk
  • Amelia Risk
  • Aon
  • At-Bay
  • Beazley
  • Berkshire Hathaway Specialty Insurance
  • And many more

When VR and AR Companies need insurance

  • 01

    You’re moving from prototype to sales

    Shipping headsets to customers adds product liability questions a lab prototype never raised.

  • 02

    You’re opening a public experience

    Document customer access, supervision, equipment setup and staff roles for the general liability and property quotes.

  • 03

    Demo units are going on the road

    Prototypes and event equipment moving between labs, venues and trade shows raise inland marine questions about each stage, from lab and transit to venue and storage.

  • 04

    Your app now captures room maps or voice

    New sensor data and the vendors that store it change your cyber application. Update it before release.

Questions from VR and AR Companies

Also known as virtual reality insurance, augmented reality insurance, VR company insurance, AR/VR insurance, XR company insurance and VR arcade insurance.

What insurance does a VR company need?

Headset makers start with product liability, software and simulation teams add tech E&O, and anyone holding user data needs cyber. Demo gear on the road needs inland marine, and a venue needs property. Spot separates each for brokers.

Does FCC equipment authorization mean our headset is insured?

No. Authorization concerns marketing radio devices, not insurance. Spot asks brokers how each device model is described in the product liability form.

Will product liability cover a software bug in our training simulation?

Hardware product terms don’t settle how software or service outcomes are treated, so Spot compares technology errors and omissions proposals alongside product liability.

What should we include when quoting a public VR arcade?

Describe the venue, customer access, supervision, session flow, equipment, staff, and whether customers move around while wearing a headset.

Can our current broker handle product liability for our headsets?

Spot can work with them as you add product liability for headsets and tech E&O for client projects, or help you move to a broker with more hardware markets. Spot doesn’t stand in for your broker, and it takes no commissions on premiums.

Get insurance off your to-do list.

Get quotes from 50+ virtual and augmented reality insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.

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