Gaming Insurance

Casino operations concentrate cash in cages, vaults and jackpot payout stations. A crime event on the gaming floor simultaneously triggers an insurance claim and a reporting obligation to the gaming control board or tribal gaming commission. Standard commercial crime programs were not designed for the cage, the jackpot or the regulatory dimension.

HUB structures casino insurance coverage and brokers crime and fidelity coverage for gaming operations: employee dishonesty, robbery, counterfeit currency, jackpot fraud and cage error coverage are addressed as named components rather than assumed captured in a generic commercial crime policy.

HUB asks gaming clients first: does the current program specifically name jackpot fraud and cage operations? If it doesn't, the operation may have a crime policy never designed to respond to what happens on a gaming floor.

Gaming operations with crime and fidelity programs engineered for cage and jackpot structure respond to a crime event with coverage built for exactly that scenario. not a commercial crime policy that discovers casino-specific exposures at claim.

Tribal gaming enterprises operate under IGRA and tribal-state gaming compacts specifying coverage types, minimum limits and carrier rating requirements as conditions of Class III gaming. A carrier without tribal gaming insurance IGRA compact experience may write a policy meeting commercial standards but failing compact terms, leaving the tribe with coverage that appears compliant until a claim.

HUB's tribal gaming advisory incorporates the compact's specific insurance requirements, the sovereign immunity dimension of tribal trust land and carrier selection from insurers with direct IGRA compact experience in tribal gaming contexts rather than commercial programs adapted for tribal use.

Tribal gaming is not commercial gaming with a different licensing structure. The sovereign immunity dimension alone changes how claims work, how carriers need to be positioned and how compact coverage requirements interact with policy terms.

Tribal gaming enterprises with programs designed by advisors who understand IGRA and gaming compact requirements carry coverage that satisfies compact obligations and responds to claims in the tribal jurisdiction.

Integrated gaming resort complexes operate where violent acts liability gaming exposure meets 24/7 cash operations and large guest volumes. A security incident can cascade across hotel corridors and entertainment venues. Most resort operators manage casino, hotel and entertainment as separate placements, discovering the coordination gap when an incident occurs.

HUB designs integrated gaming resort programs as a single coordinated placement spanning casino floor, hotel, food and beverage, entertainment and parking, with violent acts liability gaming and gaming resort property insurance structured to reflect how the complex operates as one environment. Business interruption (BI) is calibrated to gaming revenue.

Integrated resort operators who manage a security incident best built their program around the entire property as one risk, not those who discover at the incident that their casino and hotel programs are two separate placements nobody coordinated.

Integrated gaming resort operators with a single coordinated program spanning all venue components respond to a property-wide incident with unified coverage, not three separate placements each managing one piece of a complex that never operates as three.