Target Occupations

Game developers

The game developers industry in Australia is made up of almost 1000 developers and growing, with the industry now reaching close to $1billion in revenue annually.


Has this happened to you?

Please note: the following information is provided for general information and education purposes only, and is not a substitute for professional advice. The use and reliance of such information on this site is solely at your own risk.  


Scenario

Have you ever had issues with business partners or employees taking computer code once that person has left the business?

Relevant Insurance Cover

Errors and omissions cover


Scenario

Have you entered into contract discussions with any third party (Conferences, events etc)?

Relevant Insurance Cover

Professional liability cover


Scenario

Have you experienced a loss of trade due to essential computer equipment being damaged, lost or stolen?

Relevant Insurance Cover

Equipment cover


Scenario

Do you hold in trust private information for third parties?

Do you have money set aside for recovering this information if you are hacked or held to ransom in a cyber attack?

Relevant Insurance Cover

Cyber liability cover


The most important asset when developing your software is your intellectual property, and Thunder Insurance can ensure that all measures are taken to protect your intellectual property.

We understand how to seek the relevant detail necessary to tailor your policy to a range of scenarios. Have you thought about:

  • What happens when multiple parties and companies are involved in the creation of a game?

  • When you’re ready to distribute and publish software, how you’ll execute it to protect claims on your content?

  • What if a copyright claim is made against you, or there is inadvertent misuse of third party intellectual property?

 

eSports

eSports has become a serious business globally, with hundreds of millions of dollars of prize money across titles such as CS:GO, DOTA 2, Starcraft, PUBG, Fortnight at stake.

Has this happened to you?

Please note: the following information is provided for general information and education purposes only, and is not a substitute for professional advice. The use and reliance of such information on this site is solely at your own risk.  


Scenarios

Have you been responsible for dealing with team indiscretions or contentious content that is broadcast by your team?

Relevant Insurance Cover

Professional liability cover 


Scenarios

Do you produce marketing material and have you ever received a complaint regarding the content?

Relevant Insurance Cover

Professional Indemnity coverr


Scenarios

As an eSports Manager or team owner, are you are aware of your obligations if a team member sustains a minor or major injury?

Relevant Insurance Cover

Workers compensation cover


Scenarios

What happens when a player is sick or injured when travelling overseas?

Relevant Insurance Cover

Travel insurance cover (sickness and accident and repatriation cover)


Some of the highest exposures of players, owners, administrators and staff on a eSports team include:

  • Loss of earnings of eSports players exposure

    • What are the implications of a player’s injuries, if they are long term and impede future participation?

  • Major incidents of eSports players while playing overseas tournaments exposure

    • What’s the cost of evacuation or retrieval of a sick player?

    • Who is liable if insurance cover hasn’t been placed to ensure this is possible for the team owner or a contracted player?

 

Event, conference and tournament organisers

Major events and conferences supporting the gaming industry take place in Australia and elsewhere on a regular basis. LAN parties are increasingly common.

Has this happened to you?

Please note: the following information is provided for general information and education purposes only, and is not a substitute for professional advice. The use and reliance of such information on this site is solely at your own risk.  


Scenarios

Do you have a contingency plan in case you need to change venue last minute, or even cancel the event entirely?

Potential Insurance Products (Dependant on circumstances)

Cancellation cover


Scenarios

Have you ever had a claim against you when a player has hurt themselves while attending your event?

Potential Insurance Products (Dependant on circumstances)

Public liability cover, workers compensation cover or professional liability cover


Scenarios

Have you invited volunteers (friends, family or unknown individuals) to help with an event, and they have injured themselves in the process?

Potential Insurance Products (Dependant on circumstances)

Voluntary Workers Personal Accident cover


Some of the larger exposures that event, conference and tournament organisers need to be aware of include:

  • Voluntary workers liability exposure

    • Are volunteers covered by a public liability policy, or is there another cover required to ensure ongoing medical costs are met?

  • Cancellation exposure

    • How do we cover demands for players in our tournaments who may want refunds of tickets paid in advance?

  • Cyber Liability exposure

    • When promoting a new unreleased game, what are the implications of intellectual property being stolen while in the organiser of the events possession?

 

Cyber/internet cafes

Cyber/internet cafes are opening all over Australia, especially as the interest and popularity of eSports has driven the demand in gaming.

Has this happened to you?

Please note: the following information is provided for general information and education purposes only, and is not a substitute for professional advice. The use and reliance of such information on this site is solely at your own risk.  


Scenarios

Have people injured themselves (slipped and/or fallen) at your cyber/internet cafe?

Potential Insurance Products (Dependant on circumstances)

Public liability cover


Scenarios

Have you had money stolen from the register?

Potential Insurance Products (Dependant on circumstances)

Theft (money) cover


Scenarios

What happens if a physical altercation occurs at the cafe and people are injured, resulting in legal action?

Potential Insurance Products (Dependant on circumstances)

Public liability cover


Cafes providing 24-hour access, or hosting commercial events such as LAN parties, eSports tournaments, or corporate sponsored events is should be mindful of exposures including:

  • How to disclose to the insurer such that cover is provided when a claim arises.

    • Important to note all such activities need to be carefully disclosed to ensure appropriate public liability cover is in place as well as other notable situations. 

 

IT Consultants

As expectations for employers/clients progressively increase, the exposures of IT consultants increases at the same rate. As we continue to see the outsourcing of IT departments globally, we will see the market demand that their interests are protected.

Has this happened to you?

Please note: the following information is provided for general information and education purposes only, and is not a substitute for professional advice. The use and reliance of such information on this site is solely at your own risk.  


Scenarios

Have you been tasked to provide an up to date contract prior to starting your new project with updated provisions?

Potential Insurance Products (Dependant on circumstances)

Professional indemnity cover


Scenarios

Have you been charging clients a “fee for service”?

Potential Insurance Products (Dependant on circumstances)

Professional indemnity cover


Scenarios

What would happen if equipment was lost, stolen or damaged and you were unable to meet your deliverables?

Potential Insurance Products (Dependant on circumstances)

Professional Indemnity cover and equipment cover


As an IT consultant, one of the largest exposures to be aware of is the level of accountability that a general IT consultant subsumes, knowingly or other, due to the breadth of their responsibility they undertake as part of their roles, especially in smaller companies. 

 

Entertainment - Media Production/Live events

The local entertainment industry has received extensive investment across all aspects of media production.

Thunder Insurance is well positioned with the major insurers in the country to provide the best possible insurance coverage available to the market.

 

Other Occupations

Collectively our experience within the insurance industry means we are able to handle a spectrum of occupations and exposures, so please contact us to discuss your needs today.

 
 
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