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Level up with the right insurance coverage for your video game store with BrokerLink. In Canada, gaming is a multi-billion-dollar industry. Between 2013 and 2022, the number of video game companies doubled, increasing from 775 to 1,628. Even though many of these businesses fall under the video game developer category, the ripple effect is always welcomed by retailers--from the independent retailers selling vintage games and collectibles, to the larger enterprises selling the newest consoles and accessories.
If you own and operate a video game shop in Canada, you know the risks associated with your line of work. From cyber attacks to stolen consoles and customer injuries, without the right protection in place, you could be left fronting the bill. That's where video game shop insurance comes in. With customized coverage, you can protect your brick-and-mortar storefront or your e-commerce website from potential exposures that could impact your livelihood.
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Business insurance for video game stores is a specialized insurance plan designed for Canadian business owners selling video games, consoles, accessories, and other related merchandise. From demo stations to in-store tournaments, this commercial insurance protects you and the unique quirks of the gaming industry.
This includes coverage for:
One thing to note is that video game store coverage does not protect video game developers. That's a whole other part of the gaming industry that requires different coverage. This insurance specifically ensures you have peace of mind knowing that your store is protected against financial losses that may arise from potential lawsuits, property damage, and other incidents.
rewrite and make it shorter remove retro shop Whether you run a boutique retro shop, a multi-location video game retailer, or a store that hosts tournaments and manages online sales, BrokerLink helps protect video game stores across Canada with coverage tailored to your inventory, equipment, cyber risks, and day-to-day operations.
Game on: BrokerLink offers coverage for all retail warriors in Canada.
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The Canadian gaming industry is a big business, and with more than 650 video game stores across the country, the demand for new game software, accessories, and consoles won't be slowing down any time soon, which is why you need to protect your finances and interests. Here is a closer look at just some of the risks your store may face:
Video game store owners can choose what type of policies they want to include in their plan, depending on their unique needs. Some core policies you may want to consider include:
Commercial general liability insurance
Commercial property insurance
Business interruption
Crime insurance
Product liability insurance
Cyber liability insurance (data breach & cyber attacks)
Commercial auto insurance
Equipment breakdown insurance
Gaming lounge liability insurance
Flood or sewer backup coverage
Commercial general liability insurance protects you against third-party bodily injury and property damage that may occur at your store. For example, someone slips on a controller cord and injures themselves. If a lawsuit is filed against you, this policy covers things like medical expenses, defence costs, repairs, and replacements.
Commercial property insurance protects the physical structure of your store, your stock, shelves, and other furnishings from damages like theft, vandalism, fire, water damage, severe weather damage, and other covered losses mentioned in your plan.
Business interruption insurance will compensate you for lost income and ongoing expenses (employee wages, rent, utilities), during the time you're forced to close your doors following a covered event.
Crime insurance safeguards you from internal theft, shoplifting, and fraud.
If you resell refurbished electronics or imported accessories, product liability insurance protects you if the product fails or injures someone, including legal expenses, repairs, medical bills, and more.
Cyber insurance coverage protects you in the event your store suffers a cyber attack or breach. Should a crime be committed, cyber insurance will cover the cost of recovering stolen information, legal expenses, and customer notification.
Commercial auto insurance is essential if your store makes deliveries to customers. For example, if an employee gets into an accident, this will cover the cost of repairs to your business vehicle, employee injuries, and other expenses.
Equipment breakdown insurance pays for repairs or replacements of demo consoles, POS systems, arcade machines, and other office equipment you store or may use from electrical and mechanical issues.
If you have a video game studio that hosts in-person tournaments, this policy covers injuries and property damage that may occur during your event.
If your store is located in an older building or part of Canada that experiences heavy rainfall, these policies protect you from sewer and overland flood damage that may occur to your commercial space.
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Your customer profile is like your video game stats. The higher your risk level, or stats, the more you can expect to pay for your coverage. So, how do insurance companies determine these rates? Here are some of the most common factors they'll look at:
Larger video game stores in high-traffic downtown areas are usually more expensive to insure compared to smaller, more suburban shops.
A retro shop with rare Pokémon cartridges may need higher limits than a store selling mass-marketed video games.
If you host events on your business property, that means more foot traffic and more exposure to liabilities and equipment damage.
If you sell refurbished devices or third-party products, you'll need additional liability protection to ensure you're safeguarded from potential injuries and other failures.
The more your store makes in revenue, the more exposed to risk you are, which will lead to higher premiums than a smaller store with little or modest revenue earnings.
Operating a store with cameras, alarm systems, locked display cases, and other security features can lower your risk level and lead to more affordable premiums, while a store with no security features in place can anticipate higher premiums.
The more claims you have in the past, the more likely you are to file another in the future. To keep your risk level low, remaining claims-free is the easiest way to secure affordable insurance rates.
Purchasing insurance is an essential part of being a business owner. But that doesn't mean you can save on your coverage without compromising your coverage. Here's what you can do:
Bundle your commercial general liability insurance, professional liability, and other policies with the same insurance company to receive up to 15% in discounts.
Avoid monthly surcharges by paying for your insurance upfront.
Increasing your deductible means you'll need to pay more when filing a claim, but it also means you may be able to lower your premium slightly.
Insurance brokers work separately from insurance companies. This gives them access to numerous policies, discounts, and prices. By working with them, you can shop around, compare rates, and find the best coverage available.
Your insurance should reflect the true needs and risks of your business. Whether you add more products or open a second location, your insurance needs to remain flexible. To ensure you're covered, make sure to review your insurance each time you're up for a renewal.
To lower your risk profile, install security features like alarm systems, smoke detectors, water leak devices, and other devices. These can help lower your overall risk profile and prevent you frim filing a claim in the future.
Whether you're selling new gaming consoles, retro arcade games, or running tournaments in your video game studio, the experienced brokers at BrokerLink are here to help customize an insurance plan that fits your needs.
We've worked with all types of video game store owners across Canada. No matter what you're looking for, whether it be insurance for your online business, IP insurance, omissions insurance, or other commercial coverage, rest assured that your interests and finances are in good hands.
Contact BrokerLink over the phone or by email to speak with a broker directly. You can also get a free insurance quote using our online quote tool right now.
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Yes, video game shop insurance is specifically designed to protect shop owners. Video game developers require separate coverage, such as intellectual property insurance, professional liability, and other coverages.
If you host a tournament in a video game studio lounge, you will need specific event liability coverage and equipment breakdown insurance in case any computer hardware is damaged.
Absolutely. Any rare or limited edition merchandise can be insured under a high-value insurance policy.
Yes, cyber liability coverage protects your video game store from leaks of sensitive data that may occur.
Yes, product liability will protect you if you sell refurbished consoles and other items at your video game store in Canada.
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