Laser Tag Insurance
Target your business's success with the perfect laser tag insurance cover.
Why choose Howden for Laser Tag Insurance?
Howden is the new name for Primo.
At Howden, we strive to exceed expectations for every client, ensuring you have the precise insurance cover your laser tag or quasar business needs. Whether you operate a static indoor arena or a mobile inflatable laser maze, we've got you covered.
We know that no two laser tag businesses are the same. That's why our experienced brokers take the time to understand your unique operations, risks, and goals. We'll work closely with you to identify the right insurance solutions to protect your business from financial loss, liability claims, and unexpected disruptions.
Ultimately, just know that we’re here to help, whether you need to purchase a new laser tag policy, renew an existing one, or even just make a claim.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Our brokers have in-depth knowledge of the specific risks faced by laser tag businesses.
- We’re right by your side in the event of a claim.
What does Laser Tag Insurance cover?
Our laser tag insurance policies offer a wide range of cover options, including:
Public Liability Insurance
Essential protection against claims of bodily injury or property damage caused to third parties during your laser tag events.
Employers' Liability Insurance
A legal requirement in the UK for most businesses with employees, covering compensation claims for work-related injuries or illnesses.
Additional Cover options for your Laser Tag policy
Buildings and Contents Insurance
Protects your premises and the contents within from damage or loss.
Business Interruption Insurance
Covers lost income if your business is temporarily closed due to an insured event (e.g., fire, equipment failure).
Goods in Transit Insurance
Protects your equipment while in transit to and from events.
Legal Expenses Insurance
Provides financial assistance for legal fees in case of disputes.
Personal Accident Insurance
Offers financial support to you or your employees in case of accidental injury.
Equipment Cover
Protects your laser tag guns, vests, and other equipment from damage or theft.
Money and Banking Insurance
Covers loss of money on your premises, in transit, or in a bank night safe.
Don't leave your laser tag business in the dark when it comes to insurance. Contact Howden today for a quote and let us help you create a laser-focused insurance solution that safeguards your success.
Laser Tag Insurance FAQs
What insurance do I need for a laser tag business in the UK?
To run a laser tag business in the UK, you'll primarily need:
- Public Liability Insurance: covers claims for injury or property damage caused to third parties during your events.
- Employers' Liability Insurance: a legal requirement if you have employees, this covers compensation claims for work-related injuries or illnesses.
- Commercial Property Insurance: this covers your business premises and its contents.
You might also want to consider additional cover, such as:
- Equipment Insurance: Protects your laser tag guns, vests, and other equipment from damage or theft.
- Business Interruption Insurance: Covers lost income if your business is temporarily closed due to an insured event.
- Product Liability Insurance: Covers claims arising from injuries or damage caused by products you sell or rent (e.g., faulty laser tag equipment).
- Cyber Liability Insurance: If your business stores customer data electronically, this insurance covers costs related to data breaches.(Stand Alone Policy)
How much does laser tag insurance cost in the UK?
The cost of laser tag insurance varies based on several factors, including:
- The size and type of your business (indoor, outdoor, mobile)
- The number of players you accommodate
- Your annual turnover
- Your claims history
- The level of cover you choose
For a personalised quote, contact a specialist insurance broker like Howden.
What risks does laser tag insurance cover?
Laser tag insurance covers a variety of risks, including:
- Injuries to participants: This includes slips, trips, falls, collisions, or injuries caused by laser tag equipment.
- Damage to property: Covers damage to your own property or to third-party property caused during laser tag games.
- Theft or damage to equipment: Protects your laser tag guns, vests, and other equipment from theft, vandalism, or accidental damage.
- Business interruption: Covers lost income if your business is forced to close temporarily due to an insured event (e.g., fire, flood).
Do I need separate insurance for mobile laser tag businesses?
Yes, you may need a different type of policy for a mobile laser tag business. This type of policy typically covers equipment in transit and liability at various locations.
What safety measures do I need in place for laser tag insurance?
Insurers often require that you adhere to specific safety measures to minimise risk. This can include using appropriate safety gear, providing adequate training to staff and participants, and adhering to established safety guidelines for laser tag activities.
Is public liability insurance mandatory for laser tag businesses in the UK?
While public liability insurance isn't legally required for laser tag businesses in the UK, it's strongly recommended. It protects your business from potential financial ruin in case of a third-party injury or property damage claim.
Does laser tag insurance cover injuries caused by faulty equipment?
Yes, if a participant is injured due to faulty equipment, it would typically be covered under public liability insurance. However, it's crucial to maintain and inspect your equipment regularly to minimise the risk of such incidents.
Can I get laser tag insurance if I'm just starting my business?
Yes, you can get insurance even if your business is new. Many insurers offer policies specifically designed for start-ups and small businesses.
Does laser tag insurance cover cancellation of events due to unforeseen circumstances?
Some insurers offer event cancellation insurance as an add-on to your policy, which can cover financial losses due to cancellations caused by unforeseen events like extreme weather or equipment failure.
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