A fixed price, not open risk —
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.
× Wahrscheinlichkeit
× Mechanik-Faktor
In practice reinsurance conditions, volatility loadings and operational cost are added — the logic stays the same.
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. This is the cap we underwrite.
Probability of payout
Actuarially modelled: how likely is the triggering event to actually occur? Mathematics, historical data and stochastics deliver a cleanly documented assumption — not a guess.
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 to expect — before the first briefing.
Percent of the sum at risk. Indicative ranges, not a quote.
Weather & prediction promotions
"If it snows on Christmas Eve, money back." Clearly defined, statistically well-modelled events with low probability — premiums start just below one percent of the sum at risk.
Hole-in-one & sport mechanics
Distance, handicap, participant count and headline prize drive the price. Classic sport mechanics (hole-in-one, soccer target, halftime shot) typically sit in a low single-digit percentage range.
Average across all mechanics
Across the portfolio — sweepstakes, couponing, jackpot cover — premiums hover around five percent of the underwritten sum at risk. That is the figure most marketing teams use for initial media planning.
High-risk mechanics
For high-probability events, tight mechanics or open mass promotions, premiums can rise into the double-digit range. Even then the principle stays: a fixed price instead of open balance-sheet liability.
Note: The ranges above are for orientation only. The final premium is calculated for each individual case based on your specific mechanic, sum at risk and participant forecast and documented in a binding quote.
What you can expect from us.
- 01No packages, no rate cards — every campaign is calculated individually.
- 02Initial indication within 24–48 hours, often already in a 30-minute briefing.
- 03One-off premium. No deductible. Guaranteed payout.
- 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.