Who insures Hole-in-one and prize indemnity?
Hole-in-one and prize indemnity is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.
4 markets publicly write Hole-in-one and prize indemnity: Hole In One International, American Hole 'n One, US Hole In One, Odds On Promotions. 4 program administrators.
By Sam Alishahi, independent insurance broker
Who says they write it
From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.
| Market | What they say they write | Where | Paper | Source |
|---|---|---|---|---|
| Hole In One International Program administrator | Hole-in-one prize coverage (100% insured contract), putting contest coverage and other prize promotions; describes itself as a promotions company and purchasing group under the Liability Risk Retention Act of 1986, backed by A-rated Everest National. “Hole-in-one insurance covers the cost of a prize if a golfer makes a hole-in-one during your event.” | not stated | not stated | holeinoneinternational.com · read 2026-10-28 |
| American Hole 'n One Program administrator | Prize indemnity for hole-in-one contests and other insured promotions, assuming the risk of a hole in one on a designated prize hole; backed by Everest National Insurance Company (A+ XV). “we provide prize insurance for over 25,000 Hole In One contests and other insured promotions.” | not stated (serving customers worldwide) | not stated | hio.com · read 2026-10-28 |
| US Hole In One Program administrator | Hole-in-one prize packages for tournament sponsors and outing directors including grand prize and bonus prize coverage and signs; A-rated backing, carrier not named (privacy policy links to Jencap). “A” Rated Hole In One Insurance Protection – US Hole In One is Backed by the Best!” | not stated | not stated | holeinoneinsurance.com · read 2026-10-28 |
| Odds On Promotions Program administrator | Prize indemnity and contest coverage: hole-in-one, direct mail, retail grand prize and over-redemption promotions, and nonprofit fundraising games with insured prizes up to $1,000,000; underwritten by AM Best 'Excellent' rated insurers (not named). “Prize insurance for direct mail and hole-in-one contests.” | not stated (winners paid worldwide) | not stated | oddsonpromotions.com · read 2026-10-28 |
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