As the eSports field continues to grow, professional athletes in the field are getting more and more access to professional support. Agents, coaches, and team managers are often ready to give professional gamers tips and instructions on what type of insurance they can use. However, that’s the type of support you only get once you reach a certain point in your career.
The vast majority of gamers who compete in tournaments have either no team or work with a very small team behind them. If you are among that group, you may not know what types of insurance could benefit you. Here are some you should consider.
1 – Gaming Gear Insurance
This type of insurance does what the name suggests — it allows you to take an insurance policy on your gaming gear, covering it against certain dangers and types of damage. Depending on the policy you take, you can insure your gear against drops, theft, water damage, electrical issues, and more.
This is useful if you are often traveling around with your hardware for tournaments. Especially if you have invested in high-end custom controllers or keyboards meant for fighting games or RTS games.
2 – Thumb Insurance
Many insurance policies have their eyes on the eSport market, so it’s not a surprise that thumb insurance eventually became a thing. This allows you to take out a policy that will cover you in case you hurt your thumbs or are otherwise rendered incapable of using them for gaming.
If you’re thinking “but I don’t need just my thumbs for gaming!” then you are not alone. But unfortunately, there doesn’t seem to be a type of hand insurance meant for gamers in the market. Not at the time of writing anyway. Other professionals are able to get insurance policies that protect their hands and eyes from accidents, and as the eSport market continues to grow, this type of insurance is bound to be offered for gamers eventually.
3 – Long-term disability insurance
As the name suggests, this type of insurance protects you in case you are rendered unable to work due to a disability. Every profession has its health hazards, and professional gaming is no different. Repetitive strain injuries, chronic pain, carpal tunnel syndrome, and other issues can make it partially or totally impossible for you to game at the professional level.
Remember: your average gamer may only spend a couple of hours a day holding the controller, but pros often practice eight hours or more a day every day to be able to compete at the highest levels of play. Even if an injury only forces them to cut that training time down to six hours, that could be enough to end someone’s career.
Long-term disability insurance will make sure you get some compensation if a disability cuts your career short. How much compensation will depend on the policy you take, and how much you’re willing to pay in premiums.
Gamers who have a family to take care of can also benefit from a good life insurance policy, which will cover them in case of a tragedy or a serious health accident. If you’ve been skipping on life insurance because you dread paying high premiums, try using an online tool that can help you compare insurance prices to find affordable options.
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