--- title: "Virtual and Augmented Reality" description: "Spot describes headsets, immersive software and public demos to brokers separately, so VR, AR and XR companies can buy coverage that fits each one." canonical: "https://spot.insure/insurance-for/virtual-and-augmented-reality" 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/virtual-and-augmented-reality) ## Agent Guide **What this page is:** Spot describes headsets, immersive software and public demos to brokers separately, so VR, AR and XR companies can buy coverage that fits each one. **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 VR and AR Companies Get quotes from 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 [Get Started](https://app.spot.insure/signup?coverage=product-liability&industry=virtual-and-augmented-reality&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 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. 2. **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. 3. **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. 4. **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. ## Who 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. ## Coverage - [Product liability](https://spot.insure/insurance/product-liability) - [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-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) ## When to get this coverage - **You’re moving from prototype to sales.** Shipping headsets to customers adds product liability questions a lab prototype never raised. - **You’re opening a public experience.** Document customer access, supervision, equipment setup and staff roles for the general liability and property quotes. - **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. - **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. ## Common questions 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. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/virtual-and-augmented-reality.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)