What is excluded?

If you have American or Canadian clients or contracts, they will probably be excluded and some insurers will restrict cover to UK claims only. However, policies can be extended to include USA and Canada protection for an additional premium.
Most insurers will avoid liability for in-game purchases and loot box game mechanisms because there tends to be a high propensity for consumers to complain or request refunds (particularly if an in-game purchase was made by a minor). Instead, insurers tend to expect companies to resolve these low-value disputes themselves.
Most policies will exclude any claims related to patents. In the software sector, you may not need it, but we can explore additional coverage if you need do. Deliberate acts, dishonest or fraudulent acts are usually excluded unless committed by an employee without the knowledge of senior management.

info@whinneyinsurance.co.uk