Predictable cover costs —
calculated individually.
EMIRAT does not sell off-the-shelf packages. Every promotion is different — and so is the premium. It is derived from three factors: the sum at risk, the probability of payout, and the participant volume.
Three variables.
One premium.
+ Risk model
+ Coverage terms
This is not a formula for a quote. The model depends on the promotion type. The premium concerns agreed cover only; media, agency, technology and execution are not automatically included.
Sum at risk
The maximum payout amount in case of a win — whether EUR 100,000 cash, a sports car, a home or a special lottery jackpot. The insured scope and cap are agreed in the contract.
Probability of payout
Actuarially modelled: how likely is the triggering event to actually occur? Mathematics, historical data and stochastics deliver a cleanly documented assumption — with documented assumptions and uncertainty.
Participants & mechanic
Does the reach of your campaign scale the risk too? How is the entry mechanic structured, where are the levers? Only this picture completes the calculation.
What determines the premium for each mechanic.
Individual assessment rather than universal percentages.
Prize Coverage
Prize size, winning probability and number of attempts determine exposure. A draw with a guaranteed winner is priced differently from a rare jackpot chance.
Redemption Coverage
Expected redemption rate, benefit per redemption, campaign volume, agreed threshold and maximum obligation inform pricing. Redemption is not equivalent to a single winning probability.
Prediction Coverage
One defined event can trigger many claims simultaneously. Alongside event probability, qualifying sales or deposit volume and the promised refund or bonus determine exposure.
Lottery & Jackpot Coverage
Jackpot size, prize tiers, ticket volume and draw rules determine the model. Premiums may be calculated per draw; a prepaid balance is not a fixed total premium. Acceptance and inception follow the contract.
A fixed premium applies only to the expressly agreed scope. Changes in volume, game rules or maximum obligation follow agreed adjustment rules; an extension is not automatically covered.
What you can expect from us.
- 01No packages, no rate cards — every campaign is calculated individually.
- 02An indication requires the mechanic, period, volume and maximum obligation.
- 03Premium basis, retained amounts, thresholds, coverage limits and evidence are agreed individually.
- 04Confidential, non-binding — also at agency pitch stage.
What premium is realistic for your campaign?
Initial indication in a 30-minute briefing — confidential and non-binding.