We provide promotional insurance for businesses conducting marketing campaigns with significant prize offerings, including competitions, sweepstakes, promotional games, and skill-based challenges where successful participants win valuable prizes. Our team structures policies that respond when contestants achieve specified outcomes such as hitting a hole-in-one at charity golf days, scoring goals in halftime competitions, making half-court basketball shots, or achieving other unlikely but possible feats that trigger major prize payments. Coverage protects you from the financial impact of paying out prizes that would otherwise create unbudgeted expenses, allowing you to offer compelling promotional incentives without risking significant financial exposure if multiple winners emerge or difficult challenges are unexpectedly conquered.

As an independent broker, we access specialist promotional markets including Lloyd's underwriters who price coverage based on actuarial assessment of the probability of prize-triggering events occurring. We arrange policies for diverse promotional scenarios including new car giveaways for aces at golf tournaments, major cash prizes for sporting achievements, free product giveaways if specific weather conditions occur, and grand prize drawings where the cost of the prize exceeds your promotional budget. Coverage typically requires specific rules and conditions to be met, including independent verification of achievements, standardized distances or conditions for sporting challenges, and proper administration of random drawings to prevent fraud or manipulation.

Our services include structuring appropriate deductibles or first-loss retentions where you fund the first prize or a specified number of winners, with insurance responding to excess claims or catastrophic scenarios where multiple successful participants emerge. We arrange coverage for aggregated exposure where numerous smaller prizes could accumulate to significant costs if participation exceeds projections. For promotional campaigns with multiple prize tiers, we structure layered coverage that responds at different levels depending on the value and probability of prizes being claimed. We ensure policy terms clearly define eligibility requirements, timeframes for claims, and verification procedures that must be satisfied before prize obligations are triggered.

From retailers and hospitality businesses conducting promotional campaigns through to event organisers and sporting clubs fundraising through competitions, we deliver promotional insurance that enables compelling marketing activities without catastrophic financial risk. Our focus is on providing clear policy terms that define exactly when coverage responds, realistic premium pricing based on proper assessment of claim probability, and efficient claims settlement when successful promotional participants legitimately win prizes covered under the policy.