Game & Hobby Store Insurance
Game and hobby stores fill the floor with shelving, play tables, and small loose pieces, where browsing crowds and event nights drive slip-and-fall risk.
What this coverage is intended to address
- ✓General liability is intended to respond if a customer trips over a gaming table leg or a stocking cart and is injured in your store.
- ✓Product liability is generally intended to respond, in the event a hobby item you sold, such as a paint or modeling tool, is alleged to have caused harm.
- ✓Business property protection may help respond, in the event of a covered claim, to damage affecting your shelving, play tables, and game inventory.
Coverage products commonly considered
Most game & hobby store operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Suppose a player pushes back from a crowded game table and a chair leg snags a passerby who falls — general liability is intended to respond to that bodily injury claim.
- Imagine a modeling adhesive you sold is alleged to have caused a chemical burn to a customer; product liability may help respond to the resulting injury allegation.
Frequently asked questions
What about injuries during an in-store game night?
Injuries to attendees at a hosted event on your premises are generally within what general liability is intended to respond to, subject to the terms of the policy.
Does this consider small parts that a child swallows?
Allegations that a sold hobby item with small components caused harm are generally the kind of claim product liability is intended to respond to, subject to policy terms.
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