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How Much Does Family Entertainment Center Insurance Cost?
Table of Contents FEC Insurance Cost: 2026 Quick Answer FEC Insurance Cost at a Glance (2026 Summary Table) Factors...
SPECIALTY INSURANCE
Arcade Insurance
Coverage for arcades, barcades, and game rooms. Protect your cabinets, redemption equipment, and patrons, with quotes from 20-plus carriers and same-day certificates.
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- Family Entertainment Center Insurance
- Arcade Insurance
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Quick Answer: Arcade insurance protects game rooms, barcades, and family entertainment centers from patron injury claims, equipment loss, and liability. Most arcades pay 1,000 to 7,500 dollars per year, with barcades that serve alcohol and large FEC arcades higher. A complete program combines general and premises liability, property and game-equipment coverage, equipment breakdown, business income, and liquor liability when alcohol is served.
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An arcade packs a lot of value and foot traffic into one room: rows of cabinets, redemption machines, ticket counters, and a constant flow of kids and families. That mix creates slip-and-fall exposure, expensive electronics, and cash and prize handling, and standard business policies rarely cover all of it cleanly. We write arcades and barcades in the specialty markets we quote as part of our family entertainment center programs, shopping 20-plus carriers so you carry the right limits at a competitive rate.
What Arcade Insurance Covers
General and Premises Liability
Slip-and-fall claims, injuries from horseplay around cabinets, and other patron injuries on your floor. This responds when a guest is hurt and sues.
Property and Game Equipment
Cabinets, redemption machines, prize merchandise, POS, and ticket systems represent serious value. Property coverage is scheduled to replacement value so a fire, theft, or water loss does not close you.
Equipment Breakdown
Arcade machines, compressors, and electronics fail. Equipment breakdown covers sudden mechanical or electrical failure and the resulting downtime.
Liquor Liability
Barcades that serve alcohol need standalone liquor liability, and Illinois requires dram shop coverage to hold a liquor license. General liability excludes alcohol claims.
Business Income
If a covered loss closes the arcade, business income replaces lost revenue and keeps rent and payroll paid while you repair or replace.
Crime and Money Handling
Arcades run on cash, tokens, and prizes. Crime coverage responds to employee theft, robbery, and money losses from the register and redemption counter.
Who Needs Arcade Insurance
Coverage for every kind of entertainment and recreation operation. See related programs:
Family Entertainment CentersBars and TavernsRestaurantsCaterers and EventsGolf and SimulatorsTrampoline Parks
Run something else? Request a quote and we will build the program around your operation.
What Arcade Insurance Costs in 2026
| Operation Type | Typical Annual Premium | Key Cost Drivers |
|---|---|---|
| Small standalone arcade / game room | $1,000 to $3,000 | Square footage, machine count, revenue |
| Barcade / arcade with alcohol service | $3,000 to $7,500 | Liquor liability, capacity, revenue |
| Large FEC arcade (multi-attraction) | $6,000 to $15,000+ | Attendance, added attractions, food & beverage |
| Mobile / event game rental | $1,000 to $4,000 | Number of units, events per year, transport |
Estimates only. Your exact premium depends on revenue, attractions, location, required limits, safety protocols, and loss history, and is confirmed by a Pro Insurance Group producer.
Ranges are illustrative. Your premium depends on attendance, safety procedures, alcohol service, and claims history. Request a quote for a firm number.
What Our Clients Say
Why Operators Choose Pro Insurance Group
We Shop 20+ Carriers
Independent means we compare the specialty entertainment markets, not one carrier's rate.
Same-Day COIs
Certificates and additional insured endorsements delivered fast so you never lose a booking or venue date.
Participant Coverage Done Right
We confirm participant injury is actually covered, not just spectator liability, so there is no surprise at claim time.
One Point of Contact
A dedicated advisor who knows your operation, not a call center that starts over every time.
This is one of the attractions in Pro Insurance Group’s Family Entertainment Center insurance program. Run more than one attraction? We’ll build a single blended policy. See all attractions →
Ready to protect your arcade operation?
Tell us about your setup and a licensed advisor will shop specialty carriers and put a complete program in front of you.
Get My Free QuoteCall 833-776-4671Arcade Insurance FAQ
What does arcade insurance cover?
A complete arcade program covers general and premises liability for patron injuries, property and game-equipment coverage for cabinets and redemption machines, equipment breakdown for mechanical or electrical failure, business income for downtime, crime coverage for cash and prize handling, and liquor liability if you serve alcohol.
How much does arcade insurance cost?
Most small arcades and game rooms pay 1,500 to 3,500 dollars per year, barcades that serve alcohol 3,000 to 7,500 dollars, and large family entertainment center arcades 6,000 to 15,000 dollars or more. Square footage, attendance, equipment value, and alcohol service drive the premium.
Does general liability cover my arcade machines?
No. General liability covers injuries to other people, not damage to your own equipment. Your cabinets, redemption machines, and electronics are covered under property and equipment breakdown coverage, which should be scheduled to replacement value.
Do barcades need liquor liability insurance?
Yes. The moment you serve alcohol, your general liability excludes alcohol-related claims, so standalone liquor liability is required, and Illinois mandates dram shop coverage for every liquor license. Late-night barcades should also confirm assault and battery coverage.
Is redemption prize and ticket inventory covered?
Yes. Prize merchandise and inventory are covered as business personal property, and crime coverage responds to theft of prizes or cash. We make sure your limits reflect the real value of your redemption counter.
Can you issue a certificate of insurance for my landlord?
Yes. Once your policy is active we issue certificates of insurance, including additional insured endorsements, the same day, so you can satisfy your lease or mall requirements without delay.
Get Your Arcade Insurance Quote
One broker, 20-plus carriers, and same-day certificates. Tell us about your operation and we will find the right coverage at the right price.
Get My Free Quote Call 833-776-4671NF
Reviewed by Neal Fusco, VP Commercial Lines
Neal leads commercial and specialty coverage at Pro Insurance Group, helping businesses across Illinois and 40-plus states secure the right protection at competitive rates.
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