Sometimes a coupon or free product offer can be "too successful." Over-redemption insurance from Tokio Marine HCC - Specialty Group can protect sponsors and marketers against an unexpected result of their promotion.


  • Ideal for "buy one, get one free" coupons or multi-purchase benefits
  • Eliminates the financial risk associated with an effective business-building tool
  • Increased costs of promotion are covered by the policy

Best For

  • Advertising agencies
  • Marketers
  • Retailers
  • Sponsors

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 “buy one, get one free” coupons 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.

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Why 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. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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