This is general liability coverage for owners of video game and arcade centers. Coverage applies to injuries to game players and other non-employee persons on the premises. Some underwriters include the liability coverage in a package policy, with property coverage usually written on an "all risks" type basis, including replacement cost valuation on property. Loss of earnings coverage and transit coverage is also available. Underwriting factors that must be considered are the premises location, its condition, staffing, and management experience, and stability. This explanation of insurance benefits is provided by Insurance Marketplace.