Coverage requirements

Casino Gaming Establishments

Hospitality75% completeness
Run gap analysis

Last updated August 2026 · Maintained and reviewed by the Advocate Insurance Consultants coverage research team.

Overview

What an adequately protected Casino Gaming Establishments program looks like

Casinos are gambling facilities offering table games, slot machines, sports betting, and often alcohol service. Liquor liability is the leading exposure, along with large crowds, crime tied to large amounts of cash on hand, and serving alcohol to underage or visibly intoxicated patrons. This Advocate Standard profile maps the priority coverages for casino gaming establishments, including Auto Liability, General Liability, Liquor Liability, Worker's Compensation, Fidelity Bond, and sets limit, deductible, and carrier-strength benchmarks to keep operations resilient.

Key takeaways

  • Spans 141 published requirements across 42 coverage type-peril pairs.
  • Applies to 2 asset types: Hospitality Operator, Hotel.
  • Covers 16 coverage types and 15 distinct perils.

At a glance

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Completion score

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9 of 42 WIM pairs required

Coverage tower

Required limits by coverage type and peril

Property8 coverage types

Fidelity Bond

Overall limit$100K

Business Income

Flood≥ Business Income Amount for Buildings in an SFHA
TRIA - Property≥ Business Income Amount
Earthquake≥ Business Income Amount
Named Storm≥ Business Income Amount
Water / Sewer Backup≥ Business Income Amount
Wildfire≥ Business Income Amount
Wind Hail≥ Business Income Amount
Overall limit≥ Business Income Amount

Physical

Flood≥ RCV / Insurable Value of First 2 Floors Above Grade + any Floors Below Grade of Buildings Located in an SFHA
TRIA - Property≥ RCV of Existing Structure / Insurable Value
Earthquake≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Water / Sewer Backup≥ RCV of Existing Structure / Insurable Value
Wildfire≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value

Builder's Risk

Overall limit≥ RCV of Existing Structure / Insurable Value

Business Personal Property

Overall limit≥ RCV of Existing Structure / Insurable Value

Inland Marine

Fire≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Theft≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Water Damage≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Overall limit≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Limited Fungus

Overall limit$15K

Ordinance or Law

Earthquake≥ RCV of Existing Structure / Insurable Value
Flood≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value
Liability8 coverage types

Professional Liability

Medical Malpractice$1M

Auto Liability

Hired & Non-Owned Auto$5M
Owned Auto$5M
Overall limit$5M

Disability Liability

Overall limit$2M

Employer's Liability

Overall limit$2M

Worker's Compensation

Overall limit$500K

General Liability

Overall limit$4M
Assault & Battery$5M

Liquor Liability

Overall limit$2M

Terrorism Liability

TRIA - Liability$2M
Overall limit$2M

Requirements

Full requirement set for Casino Gaming Establishments

Every requirement in the Advocate standard, 141 rows across limits, deductibles, carrier rating, and presence checks. Search and filter to drill in.

Group
Type
Peril

Showing 50 of 141 matching · 141 total

RequirementPerilRequirement typeApplicabilityRequirement
Property › Builder's RiskAcceptable Blanket Builder's Risk DeductibleOverallDeductibleBlanketBlanket Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income DeductibleOverallDeductibleBlanketBlanket Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Named Storm DeductibleNamed StormDeductibleBlanketBlanket Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Wind Hail DeductibleWind HailDeductibleBlanketBlanket Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Blanket Business Personal Property DeductibleOverallDeductibleBlanketBlanket Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Blanket Inland Marine DeductibleOverallDeductibleBlanketBlanket Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Blanket Limited Fungus DeductibleOverallDeductibleBlanketBlanket Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Blanket Ordinance or Law DeductibleOverallDeductibleBlanketOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical DeductibleOverallDeductibleBlanketBlanket Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Blanket Physical Named Storm DeductibleNamed StormDeductibleBlanketBlanket Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Blanket Physical Wind Hail DeductibleWind HailDeductibleBlanketBlanket Physical Wind Hail deductible must not exceed 5% of the insured value.
Property › Builder's RiskAcceptable Scheduled Builder's Risk DeductibleOverallDeductibleScheduledScheduled Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income DeductibleOverallDeductibleScheduledScheduled Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Named Storm DeductibleNamed StormDeductibleScheduledScheduled Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Wind Hail DeductibleWind HailDeductibleScheduledScheduled Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Scheduled Business Personal Property DeductibleOverallDeductibleScheduledScheduled Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Scheduled Inland Marine DeductibleOverallDeductibleScheduledScheduled Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Scheduled Limited Fungus DeductibleOverallDeductibleScheduledScheduled Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Scheduled Ordinance or Law DeductibleOverallDeductibleScheduledOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical DeductibleOverallDeductibleScheduledScheduled Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Named Storm DeductibleNamed StormDeductibleScheduledScheduled Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Wind Hail DeductibleWind HailDeductibleScheduledScheduled Physical Wind Hail deductible must not exceed 5% of the insured value.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have AM Best rating >= A- and size >= VII.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have an AM Best Rating that meets the required Letter and Financial Size ratings.
Liability › Professional LiabilityMedical Malpractice Required for Care FacilitiesMedical MalpracticeLimitAllFacilities offering care or healthcare must carry Medical Malpractice of at least $1,000,000.
Liability › Worker's CompensationStatutory Workers Compensation ConfirmedOverallOtherAllWorkers Compensation must be at statutory limits with Employers Liability.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto Excess/Umbrella LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto Excess/Umbrella LimitOwned AutoLimitAllOwned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto LimitOwned AutoLimitAllOwned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability Excess/Umbrella LimitOverallLimitAllAuto Liability must carry an excess/umbrella limit of at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability LimitOverallLimitAllAuto Liability must carry a combined single limit of at least $1,000,000.
Property › Builder's RiskSufficient Blanket Builder's Risk LimitOverallLimitBlanketBlanket Builder's Risk limit must be at least the RCV / insurable value.
Property › Business IncomeSufficient Blanket Business Income - Certified Acts of Terrorism LimitTRIA - PropertyLimitBlanketBlanket Business Income (Certified Acts of Terrorism) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Earthquake LimitEarthquakeLimitBlanketBlanket Business Income (Earthquake) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Named Storm LimitNamed StormLimitBlanketBlanket Business Income (Named Storm) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Water / Sewer Backup LimitWater / Sewer BackupLimitBlanketBlanket Business Income (Water / Sewer Backup) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wildfire LimitWildfireLimitBlanketBlanket Business Income (Wildfire) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wind Hail LimitWind HailLimitBlanketBlanket Business Income (Wind Hail) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income LimitOverallLimitBlanketBlanket Business Income limit must be at least the 12-month business income value.
Property › Business Personal PropertySufficient Blanket Business Personal Property LimitOverallLimitBlanketBlanket Business Personal Property limit must be at least the RCV / insurable value.
Property › Inland MarineSufficient Blanket Inland Marine - Fire LimitFireLimitBlanketBlanket Inland Marine (Fire) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine - Theft LimitTheftLimitBlanketBlanket Inland Marine (Theft) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine - Water Damage LimitWater DamageLimitBlanketBlanket Inland Marine (Water Damage) limit must be at least the value in care, custody & control.

91 more requirements

Compliance

Who requires Casino Gaming Establishments

  • Casino gaming establishment insurance is relied upon by state and tribal gaming commissions that make proof of coverage a licensing condition, and by liquor-control boards that require liquor liability wherever alcohol is served.
  • Hospitality lenders and CMBS servicers financing casino real estate mandate property, business income, and general liability at defined limits, while hotel brands and franchisors attached to integrated resorts impose brand-standard insurance schedules.
  • Property managers, investors, and gaming-equipment lessors request certificates and additional-insured status.
  • Brokers structuring the tower and reinsurers supporting catastrophe and casualty capacity depend on the coverage.
  • Given large cash balances, crowded gaming floors, and elaborate electrical systems, carriers expect crime, liquor liability, and property coverage to be robustly limited and paired with documented security and responsible-service controls.

Carrier standard. Carrier must have AM Best rating >= A- and size >= VII.

Advocate runs these checks automatically for the brokers who place hospitality coverage.

Exclusions

What Casino Gaming Establishments does not cover

  • Casino gaming establishment insurance carries several important carve-outs.
  • General liability forms exclude liquor-related claims, which is why standalone liquor liability is required wherever alcohol is served, and assault and battery is frequently sublimited or excluded despite large-crowd exposure.
  • Cyber and privacy events are not addressed by this coverage set, leaving player-data breaches uninsured absent a separate cyber policy.
  • Liability forms commonly carve out communicable disease claims.
  • Regulatory fines, penalties, and losses tied to unlicensed gaming are uninsurable.
  • Wagering losses and voluntary payouts fall outside crime coverage, which targets theft and employee dishonesty.
  • Flood and earthquake may be sublimited or excluded from base property forms, and business interruption from a prolonged rebuild can exceed standard limits.

Risk advisory

Typical coverage gaps in Hospitality

Casino gaming establishments should treat liquor liability and assault and battery as the two decisions most likely to leave a gap.

  • Because monitoring patron consumption on a crowded floor is difficult, confirm liquor liability limits are adequate and that assault and battery is not quietly sublimited to a fraction of the general liability limit; if it is, negotiate a higher sublimit or a standalone layer and verify any umbrella does not carve out liquor.
  • Crime coverage should be scaled to peak cash on hand, since sizeable currency draws both internal and external theft.
  • Elaborate electrical wiring elevates fire and equipment exposure, so review property and equipment breakdown limits and confirm business income reflects a difficult, lengthy rebuild rather than easy relocation.
  • A notable gap is the absence of cyber coverage for player data; evaluate adding a cyber policy.
  • Finally, review flood and earthquake sublimits against the site's catastrophe profile.

FAQ

Frequently asked questions

What insurance do casinos need?

Casinos need general liability, liquor liability, crime, property, business income, and workers' compensation at minimum. Because casinos serve alcohol to large crowds and hold significant cash, liquor liability and crime coverage are central, and assault and battery limits deserve close review. Auto liability covers owned or hired vehicles including guest shuttles.

Why do casinos need separate liquor liability insurance?

Casinos need separate liquor liability because general liability policies exclude alcohol-related claims. In dram-shop states, a casino can be held responsible when an intoxicated patron it served causes harm, and monitoring consumption across a busy gaming floor is difficult. A standalone liquor liability policy closes this exclusion with adequate limits.

Is assault and battery covered under casino general liability?

Often only partially. Casino general liability policies frequently sublimit assault and battery well below the full policy limit, or exclude it entirely. Given large crowds and alcohol service, casinos should confirm the sublimit, negotiate higher amounts or a standalone layer, and verify their umbrella does not carve out assault and battery.

How much crime coverage does a casino need?

A casino should scale crime and fidelity coverage to its peak cash on hand, since sizeable amounts of currency on the premises attract both employee dishonesty and external theft. Standard limits are often inadequate for gaming operations, so benchmark coverage against the largest cash balances rather than average daily holdings.

Does casino insurance cover data breaches?

Not under the standard casino property and liability set. Player-data breaches require a separate cyber liability policy, which most base casino programs do not include. As casinos digitize loyalty and payment systems, evaluating cyber liability and privacy coverage closes a growing gap that traditional gaming insurance leaves open.

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About this coverage standard

This profile is maintained by the Advocate Insurance Consultants coverage research team, which maintains the Coverage Library benchmarks against the World Insurance Model taxonomy and reviews each standard against live market placements. It is general guidance, not legal or coverage advice. Verify requirements against the actual policy and contract.

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