Contest Insurance

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A prize indemnity insurance policy designed to cover organisers of contests and events for the costs of prizes given to winners at their competitions.

Our contest insurance covers the policyholder for the costs of prizes they award to participants who win competitions at their events.  

Designed for you from £263

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Contest insurance

Running contests is a great way to entice new customers and build brand loyalty, particularly when the prizes are of high value. Whilst offering prizes at your events can generate a real buzz, they can be costly when a lucky participant wins. Here at Event Insurance Services, we offer contest insurance designed to cover you for the costs of these prizes so you can rest assured that the event won’t put you in a difficult position financially. 

Our contest insurance is a type of indemnification insurance which covers organisers of competitive events for costs relating to prizes awarded to participants at their event. 

We are also able to provide public liability insurance which will cover you should an accident harming a member of the public or damaging property occur as a result of your negligence at the event, as well as employer’s liability and equipment cover. 

Your demands and needs

Our contest insurance meets the needs of those who are looking to insure themselves for the costs of prizes awarded to winning participants during their competitive event. Whilst the odds of participants winning your contest might be small, there is still a chance they could, and you should be prepared for this to avoid paying for costly rewards. 

Why choose us for contest insurance?

Excellent claims handling

Our team handles claims quickly and efficiently to give you exceptional customer service and the support you need when you need it most.


Having established our business back in 1996 and specialising in providing reliable event insurance such as contest insurance, you can trust our policies to provide cover you can rely on. 

Quick and easy service

Our process for purchasing the insurance cover you need is simple to follow. If you need any help, our friendly team of event insurance experts are on hand to offer their advice.

Dependable policies 

90% of our clients return to us for more affordable and reliable insurance policies.

What does our contest insurance cover? 

Our contest insurance is designed to insure the costs relating to prizes which are awarded to winning participants at competitive events. Here at Event Insurance Services, we can cover the costs of prizes up to the value of £50,000 for events such as hole in one competitions (in accordance with the policy’s terms and conditions).

We are also able to provide reinstatement options for second place prizes should a participant win your contest early in the event (this can only be won once). Moreover, we’re also able to offer a maximum of three subsidiary prizes which are valued at £250, £100 and £50. 

Please take the time to read through all of the documentation sent to you to ensure that you fully understand what you will (and won’t) be covered for.  

A pre-disclosed adjudicator will be required to witness the winning participant and for prizes amounting to £25,000 or over, the participant who wins the contest will need to have been recorded. Adjudicators can be employed in the following professions:

  • Qualified Accountant

  • Police Officer

  • Teacher

  • Doctor

  • Company Director

  • Bank Manager

  • Justice of the Peace

  • Lawyer

  • Golf Professional (for golf day events)

  • Veterinarian 

For organisers of contests and competitive events

We also offer public liability insurance to insure your contest or competitive event for accidents relating to members of the public, or employer liability insurance to cover any incidents related to your employees.

You can find more details about what our contest insurance covers here or you can contact our friendly team who will be more than happy to answer your questions. 

Contest insurance FAQs


What is contest insurance?

Contest insurance is a type of insurance cover which is designed to cover costs relating to prizes for organisers of promotional events which sees a company awarding prizes to winning participants. 

Why not take a look at the types of contest insurance we offer, including hole in one insurance and roll a dice insurance?

How much is contest insurance?

The cost of contest insurance will depend on a number of factors, including:

  • The number of participants attending your event

  • The level of cover required

  • Whether you would like to include reinstatement

Our contest insurance is available from £263 but you can visit our contest insurance options and premiums page for more information or get a quote online today. 

What are the benefits of contest insurance?

Taking out contest insurance can have many benefits for your business, including:

  • You can offer people an incentive to participate in your event and create a buzz about the day without having to worry about paying for the costly prizes. 

  • You’ll save money by not having to fund the costs of the prizes yourself.

  • You’ll be able to relax on the day of the event knowing that you’ll be financially covered should a participant wion your contest, instead focussing your efforts on the smooth running of the event itself. 

How do I get contest insurance?

Here at Event Insurance Services, we’ve made the process of getting contest insurance quick and easy. Simply head to our get a quote page and complete the form with your personal details along with the amount of cover you require. We’ll then send you a quote for the policy best suiting your needs.

Please feel free to contact our team for more information. 


Our contest insurance for competitive events have premiums starting from as little as £263 to cover up to 150 players, and a prize value of up to £50,000. Get contest insurance today!