Promotional insurance

Have you ever wondered how a TV show can offer $1m prizes every week, how the local school can have a car as a prize, or $500,000 hole-in-one promotions that are run at countless events around the country?

Such WOW factor prizes are commonly insured through AIS who can design and insure innovative promotions or events. With our creative use of promotional insurance we have the tools to protect & leverage a prize whatever your budget.

In this increasingly competitive market with so many promotions, prizes and competitions on offer it is so difficult getting noticed. You can utilise AIS Contingency Insurance to provide the eye catching prize for your events, with security from Lloyds of London, a leading provider and specialist in contingency insurance.

What Can We Do?

Small budget events can offer huge prizes such as $1 million or more in cash or a Porsche Car or high value diamonds etc. Having AIS assist you to structure your prize or event; the WOW factor provided by the prize is often the difference between a great promotion and another indistinguishable event.

Some Examples!

As creative and different as you can get with a promotion, we can develop a prize that will delight and appeal.

You can see many of our unique products on our specialist prize insurance website

Envelope Draws

A classic favourite but forever popular, a one million or even two million – maybe $5,000,000 prize based on a draw of an envelope (or your client’s product) from a barrel.

Skill Events

Correctly predict a result, such as the AFL grand final winner, the ladder for a sporting group, achieving a basketball goal at a live game, or answering a certain number of questions correctly; the opportunities are limited only to one’s imagination.

You have the opportunity to tailor this to the product or event being promoted and we can provide a sensational, high value, desirable prize.

Data Capture

An incentive such as a house or gold bullion is a compelling reason for consumers to share their details with you.

On line events such as safe cracks, dice rolls or skill competitions have proven extremely effective.

Support Charities

“Donating” a car to the local school fundraiser or a property to Rotary is far more commercial when supported by Contingency Insurance.

This is an inexpensive way to support the worthy cause(s) and promote your brand or product in a high profile manner.


Cancellation of events, trade promotions or Public Company AGM’s can be expensive.

Likewise, you may have invested large amounts for events such as Major Sporting Events or Cultural Events. If these were cancelled (weather, venue issue, political, strike, violence, terrorism, act of nature) your costs can be recovered through this insurance.

A considerable number of events depend on the appearance of a singer, performer or main speaker, and their non-attendance would cause the event’s termination. Cover can be acquired to provide security against the financial loss if non-appearance was to occur, whether as the result of illness, accident, travel delay or death, or any reason outside the manager’s control.

Merchandisers, printers (ie: programmes) and suppliers can also protect their investment through insurance.

Even the marketing agency fees can be included in the insurance calculation.


Simple promotions like a retailer offering “4 millimetres of rain on Christmas day and all purchasers get a full refund” are simple but effective promotions.

Too much rain, too hot, too cold and other such adverse weather conditions can really hit a promoter, a merchandiser or an event organizer.

Too much rain for example will hurt the Grand Prix attendance, this results in lower programmed sales, reduced merchandise sales, disappointed sponsors and less revenue from catering.

Celebrity Death / Disgrace

Companies often invest heavily in a campaign involving a celebrity or high profile person. If they died or were disgraced, the cost to you can hurt. This is an inexpensive insurance to protect your brand. You can be protected for all costs, including all agency fees involved in developing and implementing a new campaign.


Sporting organisations often have win bonuses written into the contracts of their sponsors and players. Attainment of particular awards, such as “most valuable player”, and specific numerical targets, can generate cash bonuses, which may be secured by contract bonus insurance.

Such bonuses can be considerable but can be insured to ease the financial burden arising from your success.

More recently media contracts and even some merchandising contracts have success / win bonus fees incorporated – so insuring these can be the most commercial option.

And remember to look over the great promotional insurance products we have at

Don’t risk it – insure it.

Request a quote

A.I.S. Insurance Brokers Pty Ltd
137 Moray Street
South Melbourne 3205
Victoria Australia
Telephone +61 3 8699 8888
Facsimile +61 3 8699 8899