Evolution
The studio behind Insurance Baccarat
The payout math sits in our Insurance Baccarat RTP analysis.
Company History
Evolution began in 2006 and now lists on Nasdaq Stockholm as the largest live-casino supplier in the market, with the deepest live-baccarat lineup in the sector — standard, speed, squeeze, salon prive and this insurance variant. Each layers something new onto the same 98.94% Banker math.
Insurance Baccarat, launched in 2022, adds a structured hedge to the classic table. The insurance panel pays out when your main side loses by a set margin, so you can win the hand, collect the hedge, or both — baccarat with a built-in cushion rather than a new rule set.
What They Do Best
Live Baccarat Range
Evolution runs more live baccarat formats than any rival — standard, speed, squeeze, salon prive and insurance — each tuned to a different kind of player.
Insurance Side Bets
Insurance Baccarat lets you hedge a losing hand for payouts up to 30:1 by margin, a structured overlay the studio brought to the live table first.
Squeeze & Roadmaps
A theatrical multi-camera card reveal plus four roadmap types for the pattern players who track every result.
Other Popular Evolution Games
| Game | RTP | Max Win |
|---|---|---|
| First Person American Roulette | 94.74% | 35:1 |
| Lucky Lace | 96.50% | 10,000x |
| Live Baccarat Squeeze | 98.94% | 200x |
| Multi Camera Baccarat | 98.94% | 200x |
Fairness & Licensing
Insurance Baccarat deals from physical eight-deck shoes under studio audit, with GLI and eCOGRA certifying the process and the insurance payout tables. The cards and Punto Banco rules are unchanged from any standard baccarat — insurance is an overlay on top, not a change to the 1.06% Banker edge.
Why Insurance Baccarat?
Insurance Baccarat pairs the best main-bet math in the casino — 98.94% on Banker — with an optional hedge you can apply hand by hand. Pick this when you want baccarat's low edge but a way to soften the cold runs; it is the most risk-managed baccarat Evolution offers.