Lottery & Jackpot Insurance
EMIRAT is the world's leading risk-management specialist for insuring lottery jackpots. Founded in Munich in 2004 and active as a dedicated jackpot risk manager since 2011, we have covered more than EUR 100 billion in jackpot volume. We structure the financial risk of the prize payout and place it with A-rated risk carriers: state lottery blocks, online and mobile lotteries, social lotteries as well as private gaming and iGaming operators. From guaranteed minimum jackpots and super draws to progressive jackpots — only expressly agreed jackpot obligations are covered.
You advertise a promised jackpot — EMIRAT structures cover for the agreed payout obligation.
- 01The premium basis is agreed in advance; per-draw or volume-based pricing can change the total premium.
- 02A promised minimum jackpot can attract attention; cover concerns the agreed obligation, not the entire balance sheet or liquidity.
- 03Actuarially documented — ready for the lottery regulator, auditors and your board.
From briefing to payout
01 — Briefing
You define which state lotteries you want to offer, which jackpots you want to cover and which markets you target. EMIRAT reviews game rules, draw mode and winning probabilities.
02 — Premium calculation
For every draw the premium is calculated actuarially — based on ticket volume, hit probability, jackpot size and expected value. You receive a transparent statement per draw.
03 — Prepaid account
Prize coverage runs on a prepaid system: you pay an agreed deposit and future premiums are drawn from it flexibly. EMIRAT proactively notifies you before the balance runs out.
04 — Ticket transmission
You send us your tickets in good time before the official draw via a secured interface. Transmission alone does not activate cover: acceptance, deadlines, balance and other requirements are governed by the agreed contract.
05 — Payout when a prize is won
Winning claims are verified against accepted tickets and required evidence. The covered amount, payment recipient and timing follow the contract; the full jackpot is not automatically covered.
06 — Reporting
After each draw you receive full reporting: tickets, hits, premium, balance. Actuarial and reinsurance documentation on request for regulators, audit and board.
Lottery insurance - simply explained
01 — Choose lotteries
Tell us which lotteries you want to offer your customers. The requested lottery, market and available risk capacity are assessed individually. A portfolio listing is not automatic acceptance of cover.
02 — Define the jackpot
Mirror the official state jackpot amounts or define your own prize sums independently of the official lottery. Optional: double win for the first hit or a guaranteed single win without sharing.
03 — Submit tickets
Send all tickets to be covered to EMIRAT before the official draw. Format and data transfer are flexible — handled securely and confidentially.
04 — Premium & payout
After each draw the premium is calculated from ticket volume, odds and prize sums. Covered wins are settled after verification within the agreed scope, payment timing and recipient arrangements.
Options that fit your strategy.
As one of the leading jackpot risk managers, EMIRAT offers full flexibility in cover and terms - tailored to your market, your mechanic and your audience.
Mirror mode
Mirror the official jackpot amount of the state lottery 1:1 — including all prize tiers and special draws.
Custom jackpot amounts
Define individual prize sums independently of the official lottery — higher or lower premiums depending on your marketing goal.
Double-winning option
Double the prize amount for the first hit — a strong marketing argument at campaign launch.
No-share guarantee
Guarantee every winner the full jackpot, without sharing with other winners in the same tier.
Second-chance mechanics
Additional draws among non-winners — higher engagement rates and longer dwell time on your platform.
Own game development
We co-develop new game mechanics — probability model, mechanic, market positioning — tailored precisely to your audience.
Advantages at a glance
- 01Decades of experience and know-how with lotteries worldwide.
- 02Individually structured cover for your product portfolio.
- 03Neutrality and discretion — EMIRAT is not a competitor to lottery operators.
- 0424/7 multilingual service, support and availability.
- 05Fast and flexible response to market requirements.
- 06Guaranteed full cost transparency at all times.
- 07Direct, unbureaucratic claims handling when a prize is won.
- 08Flexible data transfer via secured interfaces.
- 09Own secured server and database.
“An attractive jackpot needs a clear risk structure: game rules, accepted tickets, covered prize tiers and evidence are aligned before the draw.”
Minimum jackpot guarantee
Lotteries advertise guaranteed minimum jackpots to increase reach and participation. The agreed gap between the available player pool and the promised payout can be covered within a defined scope. Retained amounts, coverage limits and premium basis are agreed in advance.
Super draws & special draws
New Year's Eve millions, spring jackpot, anniversary draw — cover for special draws is assessed against the specific prize obligation; a predetermined prize fund is not automatically a chance-based prize risk. EMIRAT calculates on the basis of game mechanics, ticket volume and hit probabilities.
Progressive jackpots & iGaming
Online casinos, sports betting operators and gaming portals use progressive jackpots as a core marketing instrument. EMIRAT structures stop-loss covers, catastrophe layers and reseed guarantees — including cross-border with licensed reinsurers.
Social lotteries & charity
TV lotteries, social lotteries and charity raffles with high-value main prizes (houses, annuities, dream trips) are covered against multiple winners and worst-case scenarios — including an expert review of the game rules.
Actuarial work & compliance
Every policy is based on a mathematical, actuarial calculation of hit probabilities and expected values. EMIRAT works with A-rated reinsurers and delivers the documentation required by regulators, lottery supervision and auditors.
Developing new lottery games
EMIRAT does not stop at pure risk transfer: together with established state lotteries, new online lotteries and mobile lottery operators we develop new, exciting lottery games — including game mechanics, probability model and market positioning.
Three principles of success
Experience shows three principles decide whether players engage: 1. Participation must not be too complex. 2. The game system must be clear and instantly understandable — especially for a young audience. 3. The incentive must be high enough — a billion-euro jackpot works very differently from a pot of a few thousand.
Media visibility
For over two decades EMIRAT has been present as a specialist for jackpot and promotion insurance in trade media such as Werben & Verkaufen, Horizont, Versicherungswirtschaft and the daily press — a reliable partner between marketing, gaming operations and risk transfer.
Over 30 lotteries worldwide
| Lottery | Country / region | System | Draw days | Starting jackpot |
|---|---|---|---|---|
| Euro Millions | Europe | 5/50 + 2/12 | Tue & Fri | EUR 17 m |
| Eurojackpot | Europe | 5/50 + 2/10 | Fri | EUR 10 m |
| Mega Millions | USA | 5/70 + 1/25 | Tue & Fri | USD 40 m |
| Powerball | USA | 5/69 + 1/26 | Wed & Sat | USD 40 m |
| LOTTO 6aus49 | Germany | 6/49 + bonus number | Wed & Sat | EUR 1 m |
| GlücksSpirale | Germany | 7-digit | Sat | EUR 2.1 m (annuity) |
| La Primitiva | Spain | 6/49 + Reintegro | Thu & Sat | approx. EUR 3 m |
| SuperEnalotto | Italy | 6/90 | Tue / Thu / Sat | EUR 10 m |
| UK National Lottery | United Kingdom | 6/59 | Wed & Sat | GBP 2 m |
| France Loto | France | 5/49 + 1/10 | Mon / Wed / Sat | EUR 2 m |
| Powerball Australia | Australia | 6/40 + 1/20 | Thu | AUD 3 m |
| Oz Lotto | Australia | 7/45 | Tue | AUD 2 m |
| MegaSena | Brazil | 6/60 | Wed & Sat | approx. EUR 700 k |
| Canadian Lotto 6/49 | Canada | 6/49 | Wed & Sat | CAD 5 m |
| Polish Lotto | Poland | 6/49 | Tue / Thu / Sat | approx. EUR 450 k |
Excerpt from the coverage portfolio. Further lotteries, social lotteries, class lotteries and iGaming mechanics on request.
Answers at a glance
Which lotteries can be insured?+
How is the premium calculated?+
What happens when a prize is won?+
How is risk cover structured?+
How is ticket data transferred?+
Are progressive jackpots or iGaming pots covered too?+
The premium relates only to agreed cover. Media, agency, technology and execution remain separate; limits, retained amounts, evidence and any volume-based adjustments are agreed beforehand.