Best Business Insurance for eSports Teams in 2025 (Top 10 Companies Ranked)

Whether you’re an established eSports brand with multiple teams or a budding organization entering the industry, understanding the risks and obtaining the right insurance coverage is paramount. We will discuss topics such as general liability insurance, property insurance, cybersecurity insurance, workers’ compensation, and more.

Our Top 10 Company Picks: Best Business Insurance for eSports Teams

Company	Rank	Multi-Policy Discount	Low-Mileage Discount	Best For	Jump to Pros/Cons
	#1	25%	20%	Local Agents	Farmers
	#2	10%-25%	5%-20%	Military Savings	USAA
	#3	17%	30%	Many Discounts	State Farm
	#4	5%-15%	5%-15%	Policy Options	Chubb
	#5	20%	20%	Usage Discount	Nationwide
	#6	5%	5%-15%	Deductible Reduction	The Hartford
	#7	13%	5%-20%	Accident Forgiveness	Travelers
	#8	10%	30%	Online Convenience	Progressive
	#9	25%	30%	Add-on Coverages	Allstate
	#10	25%	30%	Customizable Polices	Liberty Mutual

To ensure your team is adequately protected, it’s crucial to work with experienced insurance professionals who understand the unique needs of the gaming industry. Discover more about offerings in our Insurance quotes online.

Secure the best insurance coverage for your eSports team online by entering your zip code above and compare rates from top insurance providers. Don’t leave your team’s future to chance – take the necessary steps to success with the right insurance coverage.

#1 – Farmers: Top Overall Pick

Pros

• Local Agents: Farmers emphasizes personal service with local agent availability.
• Significant Bundling Discounts: Offers up to 25% off for bundling policies. Discover insights in our Farmers insurance review & ratings.
• Customized Coverage: Tailored options designed to meet diverse business needs.

Cons

• Limited to High Bundle Discounts: Highest savings require substantial bundling.
• Potential for Higher Rates Without Bundles: Rates may be less competitive without multiple policies.

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#2 – USAA: Best for Military Savings

Pros

• Military Savings: Specialized discounts for military members and their families.
• Flexible Discount Range: Savings of 10%-25% for policyholders. Unlock details in our USAA insurance review & ratings.
• Strong Support for Military Families: Tailored services for those with military connections.

Cons

• Membership Requirements: Services restricted to military members, veterans, and their families.
• Variability in Savings: Discount range could mean unpredictability in savings.

#3 – State Farm: Best for Many Discounts

Pros

• Diverse Discount Opportunities: Offers a range of discounts including a high low-mileage discount.
• Extensive Coverage Options: Broad array of tailored coverage solutions. Delve into our evaluation of State Farm insurance review & ratings.
• Significant Low-Mileage Discounts: Up to 30% off for reduced mileage.

Cons

• Mixed Multi-Policy Discounts: While available, may not compete with the highest market offerings.
• Possible Higher Premiums: Some coverage levels may have higher associated premiums despite discounts.

#4 – Chubb: Best for Policy Options

Pros

• Tailored Policy Options: Chubb provides 5%-15% savings with customized policy options.
• Balanced Discounts: Offers consistent discount rates for various policies.
• Global Reach: Ideal for businesses with international exposure. Access comprehensive insights in our Chubb insurance review & ratings.

Cons

• Lower Discount Ceiling: Maximum discounts are moderate compared to competitors.
• Niche Market Focus: Best suited for specific, often high-end, business needs.

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#5 – Nationwide: Best for Usage Discount

Pros

• Significant Usage Discounts: Offers up to 20% off for monitoring usage. Discover more about offerings in our Nationwide insurance review & ratings.
• Comprehensive Coverage: Wide variety of options to suit different business models.
• Consistent Discount Opportunities: Both bundling and usage discounts reach up to 20%.

Cons

• Usage Monitoring Required: Best discounts require usage tracking.
• Could Be Overwhelming: The array of options might confuse some customers.

#6 – The Hartford: Best for Deductible Reduction

Pros

• Deductible Reduction Options: Offers a unique selling point with deductible savings.
• Loyalty Discounts: Savings for long-term policyholders. Learn more in our The Hartford insurance review & ratings.
• Customized Solutions: Focus on tailored coverage for businesses.

Cons

• Lower Discount Range: More modest discounts compared to other insurers.
• Best for Established Businesses: Optimal benefits accrue over time, potentially limiting immediate savings for new customers.

#7 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Offers leniency on first accident claims. See more details in our Travelers insurance review & ratings.
• Wide Discount Range: Discounts for various customer profiles.
• Tailored Business Policies: Customization options for diverse business needs.

Cons

• Variable Discount Rates: Savings can vary widely between policies.
• Complexity in Policy Customization: The range of options may require more effort to navigate.

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#8 – Progressive: Best for Online Convenience

Pros

• High Online Convenience: Streamlined online services for businesses. More information is available about this provider in our Progressive insurance review & ratings.
• Substantial Bundling Discounts: Up to 30% off for multiple policies.
• Wide Range of Products: Offers a diverse set of insurance products.

Cons

• Reliance on Digital Interaction: Personalized agent service may be less emphasized.
• Potential for Premium Variability: Some businesses may find fluctuating rates based on online metrics.

#9 – Allstate: Best for Add-on Coverages

Pros

• High Discount Potential: Up to 30% off with add-on coverages. Read up on Allstate insurance review & ratings for more information.
• Robust Policy Add-Ons: Wide array of additional coverage options.
• Tailored Business Solutions: Customizable policies to meet specific needs.

Cons

• Higher Base Rates: Discounts are substantial, but base rates may be higher.
• Complexity in Maximizing Savings: Best discounts require careful policy structuring.

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Extensive Customization: Liberty Mutual offers policies tailored to exact business needs.
• High Potential Discounts: Savings up to 30% with customizable policies. Check out insurance savings in our complete Liberty Mutual insurance review & ratings.
• Broad Coverage Options: Wide selection to cover various aspects of business risk.

Cons

• Requires Policy Tailoring: Maximizing benefits requires specific customization.
• May Have Higher Starting Rates: Customizable options come with a potentially higher base cost.

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Monthly Insurance Premiums for eSports Teams: A Comparative Overview

The business insurance landscape for eSports teams is both competitive and diverse, offering a range of coverage options to suit various needs and budgets. This section examines the monthly rates provided by various insurance companies, focusing on the distinction between minimum and full coverage options.

When it comes to protecting the financial well-being and operations of eSports teams, acquiring the right insurance coverage is crucial. Below is a comprehensive list of insurance policies that eSports teams should consider obtaining:

• General Liability Insurance: This policy provides coverage for a wide range of liabilities, including property damage, bodily injury, and advertising injury. It protects the team from potential lawsuits and claims that may arise from third parties.
• Property Insurance: Property insurance is essential for safeguarding the team’s physical assets, such as gaming equipment, training facilities, and office spaces. It covers damages caused by natural disasters, fires, vandalism, and theft.
• Cybersecurity Insurance: In the digital age, cybersecurity is a significant concern for eSports teams. Cybersecurity insurance helps protect the team from cyber threats, including data breaches, hacking, and ransomware attacks. It provides coverage for expenses related to forensic investigations, legal fees, notification costs, and potential liability arising from data breaches.
• Workers’ Compensation Insurance: As eSports teams treat their players and staff as employees, workers’ compensation insurance becomes essential. This policy covers medical expenses, rehabilitation costs, and lost wages in the event of work-related injuries or illnesses.
• Long-Term Disability Insurance: Long-term disability insurance provides income protection for players who suffer a disabling injury or illness that prevents them from participating in eSports. It ensures that players receive a portion of their income during the period of disability, helping them maintain financial stability and cover living expenses.
• Employment Practices Liability Insurance (EPLI): EPLI covers the team against claims of wrongful termination, discrimination, harassment, or other employment-related issues. As eSports teams have contractual agreements with players, coaches, and staff, this insurance protects them from potential lawsuits arising from employment practices.
• Directors and Officers Insurance (D&O): It provides coverage for the personal liability of directors and officers within the eSports organization. It protects them from claims related to alleged wrongful acts, mismanagement, or errors in decision-making.
• Event Cancellation Insurance: eSports teams often organize and participate in tournaments and events. Event cancellation insurance safeguards the team’s financial investment in these events in case they need to be canceled or postponed due to unforeseen circumstances such as severe weather, venue issues, or unforeseen disruptions.
• Professional Indemnity (Errors and Omissions) Insurance: Professional indemnity insurance protects eSports teams against claims of professional negligence, errors, or omissions in the services they provide. This coverage is particularly relevant for teams involved in event management, broadcasting, talent management, or sponsorship activities.
• Commercial Auto Insurance: If the eSports team owns or operates vehicles for transportation purposes, such as team buses or vans, commercial auto insurance is necessary. It provides coverage for liability, physical damage, and medical expenses in case of accidents or damage to the team’s vehicles (For more information, read our “Commercial Auto Insurance: A Complete Guide”).

It is important for eSports teams to work with insurance professionals experienced in the gaming industry to assess their specific needs and customize insurance packages that provide adequate coverage against the unique risks they face.

Case Studies: Importance of Business Insurance for eSports Teams

Delve into the pivotal role of business insurance in safeguarding eSports teams from a spectrum of potential risks and uncertainties. Through a series of illustrative case studies, we uncover how different types of insurance policies serve as essential tools for managing financial, legal, and operational challenges within the fast-paced and unpredictable realm of eSports.

• Case Study #1 – General Liability and Property Insurance: A prominent eSports team recently organized a live tournament in a rented venue. During the event, a spectator tripped and fell, resulting in injuries. The injured individual filed a lawsuit against the team, claiming negligence. Fortunately, the team had general liability insurance, which covered the legal expenses and settlement costs associated with the claim.
• Case Study #2 – Cybersecurity Insurance: An eSports team experienced a severe cyber-attack that targeted their online gaming platforms, compromising sensitive player data and disrupting their operations. The attack led to significant financial losses and reputational damage. Fortunately, the team had invested in cybersecurity insurance.
• Case Study #3 – Workers’ Compensation and Long-Term Disability Insurance: A professional eSports player suffered a repetitive motion injury, specifically carpal tunnel syndrome, which severely impacted their ability to perform. The injury required surgery and extensive rehabilitation, rendering the player unable to compete for an extended period.

The case studies presented herein compellingly underscore the significance of business insurance as a foundational safety net for eSports teams.

By offering protection against legal liabilities, cyber threats, and health-related work injuries, these insurance solutions empower teams to focus on their competitive aspirations while mitigating the impact of adverse events.

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In Review: Business Insurance for eSports Teams