CASINO &CARD ROOM INSURANCE
Gaming floors, card tables, and a full-service bar — specialty coverage for casinos and card rooms.
A CASINO COMBINES GAMING EXPOSURE WITH FULL BAR LIABILITY.
A casino or card room operates a gaming floor, manages significant cash flow, serves alcohol to guests, and runs late-night operations in a high-energy environment. The gaming floor creates premises and gaming liability. The bar program adds full dram shop exposure. Cash handling creates crime exposure. The combination of alcohol, gambling, and late hours amplifies the assault and battery risk.
Tables, machines, and gaming equipment create premises and gaming-specific liability across the floor.
Complimentary or full-service alcohol to gaming guests carries the same dram shop exposure as any bar.
High-volume cash, chips, and gaming revenue are a significant theft and robbery target.
Late-night gaming crowds with alcohol create an elevated assault and battery exposure environment.
TAP EACH AREA TO SEE THE COVERAGE QUESTION.
Casino risks stack gaming, alcohol, and crime exposure. Tap each. A general illustration — not a coverage determination.
HOW THE PROGRAM IS BUILT.
Gaming floor general liability for all guests and specific attention to gaming equipment and table activity.
Bar and complimentary alcohol service coverage with full dram shop exposure for a gaming environment.
Cash, chip, and gaming revenue protection against theft, robbery, and employee dishonesty.
Dealers, bartenders, and security staff in a late-night, high-energy gaming environment.
STRAIGHT ANSWERS.
What does casino and card room insurance cover?
Casino insurance covers gaming floor general liability, liquor liability for bar and complimentary alcohol service, crime coverage for cash and chips, commercial property for gaming equipment and the casino build-out, and workers compensation for all casino staff.
Does complimentary alcohol service create liquor liability?
Yes. Complimentary alcohol service to gaming guests creates the same over-service and dram shop exposure as a full bar. The format of the service does not change the liability.
Is casino crime coverage different from standard commercial crime?
Yes. A casino's cash handling, chip management, and gaming revenue create a specific crime exposure that differs from standard retail. Crime coverage addresses cash theft, chip fraud, and employee dishonesty in a gaming-specific context.
Is assault and battery coverage important for a casino?
Yes. Late-night gaming crowds with alcohol and competitive stakes create elevated assault and battery exposure. It is an important part of any casino or card room program.
Is gaming equipment covered under standard property?
Gaming tables, machines, and electronic gaming equipment require specific property attention. Accurate equipment valuation and replacement cost coverage are important for a casino property program.
How do I get a casino or card room insurance quote?
Completing the intake form gathers your gaming format, bar program, cash handling volume, floor size, and staff size so the account can be reviewed and matched to the right specialty markets.
COVER THE FLOOR, THE BAR, AND THE CASH.
Kelly Insurance Group builds specialty programs for casinos, card rooms, and gaming entertainment venues.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.