GeneralAverage

Industry

What should a live-service studio send for a cyber quote?

Map account and payment data, chat or user-content features, cloud hosting, anti-cheat, support vendors, and the way players access the service.

Include incident response steps, outage history if relevant to the application, vendor contracts, data retention, and the service commitments made to players or publishers. FTC child-privacy guidance is a design and audience source, not proof of cyber coverage.[1]

Ask which events trigger response services, restoration, liability, and interruption protection, and how dependent vendor outages are treated in the actual forms.[3]

Read the Gaming Insurance Buying Guide

Sources and Further Reading for Gaming

  1. Children’s Online Privacy Protection Rule: A Six-Step Compliance Plan for Your Business — Federal Trade Commission. Step 1 and factors for determining whether a site/service is directed to children, lines 50 onward

    FTC guidance on factors used to assess whether an online service is directed to children.

  2. DMCA Designated Agent Directory — U.S. Copyright Office. Overview, lines 30–35

    DMCA Designated Agent Directory; use for the scoped operational question described in the cited guidance.

  3. Commercial Insurance Guide — California Department of Insurance. Commercial Insurance Guide, revised June 14, 2024: purchasing coverage, commercial property, inland marine, boiler and machinery, commercial general liability, and workers compensation.
  4. Employer information — California Department of Industrial Relations, Division of Workers’ Compensation. Opening section, employer obligation and out-of-state employer paragraph

Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.

Updated 2026-09-28. Editorial Policy

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