Provided by Specialty Group

Over Redemption

Protects sponsors and marketers against an unexpected result of their promotion.


Promotional campaigns are a great way to drive awareness and revenue. However, if your offer is oversubscribed or too successful, it can have a negative impact on your balance sheet.

Over-redemption insurance from Tokio Marine HCC can protect sponsors and marketers against an unexpected result of their promotion.

Best for

  • Advertising agencies
  • Marketers
  • Retailers
  • Sponsors / Brands


  • Ideal for "money back guarantee" offers or multi-purchase benefits
  • Eliminates the financial risk associated with an effective business-building tool
  • Increased costs of promotion are covered by the policy

Summary of coverage

Over-redemption insurance allows a marketer or sponsor to transfer the risk of a coupon or free product offer that is “too successful.” Sponsors and marketers often will distribute “money back guarantee" offers or multi-purchase benefits to increase awareness and sales of their products. This coverage allows marketers and sponsors to protect themselves against an unexpectedly high redemption rate of those coupons.

Your team

Head office

401 Edgewater Place Drive, Suite 400
Wakefield, MA 01880

Robin Lang

USA - Vice President - Contingency

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why choose tmhcc

Why choose Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

More about us Financial strength

Not all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.