Sweepstakes & Contest Administrator Insurance Coverage Checklist
The coverages a sweepstakes & contest administrator business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for sweepstakes and contest administrators and promotion agencies. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Media / Professional E&O | Covers rules drafting, registration, and drawing errors. | Core | |
| Prize Indemnity / Contingency | Covers prize funding and instant-win misprints. | Core | |
| Cyber / Privacy Liability | Covers large entrant databases. | Core | |
| Surety Bonds | Required for New York and Florida registrations. | Core | |
| TCPA Defense Sublimit | Covers texting claims most GL and cyber forms exclude. | Prevalent | |
| General Liability | Covers live events and prize experiences. | Prevalent | |
| Crime / Social Engineering | Covers diverted prize funds. | Prevalent | |
| Regulatory Defense | Covers attorney general inquiries. | Prevalent | |
| Travel Accident / Event Liability | Covers trip prizes. | Situational | |
| Umbrella | Adds limits for national campaigns. | Situational |
The coverage gap most often missed
The gap most often missed by promotion administrators is TCPA coverage. Most GL and many cyber policies exclude unsolicited communications, leaving texts to entrants — the source of a $2.25M class settlement — uninsured unless a TCPA defense sublimit is negotiated. Also remember a registration bond protects winners, not you.
Send us the checklist and we'll review your sweepstakes & contest administrator coverage line by line, then market it across multiple carriers that compete for your account.
Related: Sweepstakes & Contest Administrator Insurance · Sweepstakes & Contest Administrator Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a sweepstakes & contest administrator business need?
The core coverages for a sweepstakes & contest administrator business are Media / Professional E&O, Prize Indemnity / Contingency, Cyber / Privacy Liability, Surety Bonds. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my sweepstakes & contest administrator coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.