Bind Your Way to the Bowl

Bind Your Way to the Bowl — Fall 2026

1. Sponsor

The Sweepstakes is sponsored by EIG Services, Inc., on its own behalf and on behalf of its affiliated insurance carriers (the “Carriers” and, collectively with EIG Services, Inc., “Sponsor” or “EMPLOYERS”).

2. Definitions

In addition to the terms defined inline, the following definitions apply throughout the Terms:

3. Eligibility

A. To be an Eligible Agency, an agency must (i) hold a current appointment with EMPLOYERS under a Producer Agreement in good standing from the earliest Bind Date credited to it through the Event or, if none, through the date of its entry under Section 6.A; (ii) be duly licensed in each jurisdiction in which credited business is written; and (iii) be current on all amounts payable to EMPLOYERS.

B. The following are not eligible for the Sweepstakes: (i) any agency whose Participant Location is an Excluded Jurisdiction; (ii) any agency on a performance plan or that has received a notice of termination from EMPLOYERS; and (iii) any agency that opts out under Section 18. This Sweepstakes is void where prohibited and in the following jurisdictions: New York, North Dakota, Ohio, Washington, and Wyoming (each an “Excluded Jurisdiction” and collectively, the “Excluded Jurisdictions”). Eligibility under this Section is determined by Participant Location, without regard to the jurisdiction in which any covered risk is located or in which any Qualifying Account is written. Employees, officers, and directors of EMPLOYERS, their immediate family members and members of their households are not eligible to participate or to be designated as an Attendee.

C. Participation is entirely voluntary. Every agency satisfying Section 3.A that is not excluded under Section 3.B is automatically eligible and will accrue Entries as provided in Section 5. Participation in the Sweepstakes under Section 5 or Section 6 constitutes acceptance of and agreement to these Terms. Any agency may opt out at any time. Neither participation nor non-participation will affect any underwriting, appointment, commission, or policy servicing decision.

4. Qualifying Accounts

A. “Qualifying Account” means a new business commercial workers’ compensation account written on the appointment of an Eligible Agency that (i) is bound during the Sweepstakes Period; (ii) has an effective date on or after September 1, 2026 and on or before December 31, 2026; and (iii) is issued to a corporation, partnership, limited liability company, sole proprietorship, or other person or entity in respect of a trade or business carried on by that person or entity. All policies issued to a single insured arising from a single application constitute one (1) Qualifying Account. “EAP” means the estimated annual premium for a policy at the time such policy is bound, as reflected in Sponsor’s system of record, without regard to any subsequent endorsement, audit, or adjustment. “Aggregate Qualifying EAP” means the sum of the EAP of all Qualifying Accounts bound by an Eligible Agency during the Sweepstakes Period. Sponsor’s system of record is the sole and determinative record of Qualifying Accounts, Bind Dates, and Entries.

B. The following are not Qualifying Accounts: (i) renewals, reinstatements, or rewrites of business written by Sponsor or any Carrier within the twelve (12) months preceding the Bind Date; (ii) book rolls and transfers of business between agency codes; and (iii) policies bound outside applicable underwriting guidelines or materially misclassified. Business placed other than on the appointment of an Eligible Agency, including through any direct-to-employer platform, is not a Qualifying Account and earns no Entries, regardless of the Carrier on which the business is written.

5. How to Earn Entries

An Eligible Agency qualifies for the Sweepstakes if, during the Sweepstakes Period, it both (i) binds three (3) Qualifying Accounts and (ii) achieves Aggregate Qualifying EAP of at least twenty thousand dollars ($20,000.00). Neither condition alone is sufficient, and satisfaction of both conditions shall be measured as of the close of the Sweepstakes Period. Upon satisfying both conditions, an Eligible Agency receives three (3) Entries. After satisfying both conditions, each additional Qualifying Account bound in excess of initial three (3) Qualifying Accounts during the Sweepstakes Period shall earn one (1) additional Entry. An Eligible Agency that does not satisfy both conditions receives no Entries under this Section but may enter under Section 6. Entries accrue to the Eligible Agency and not to any producer, employee, or Agency Principal. Prizes are awarded to the Eligible Agency.

6. Alternate Method of Entry

A. No purchase, payment, binding of any policy, or other consideration of any kind is necessary to enter or to win. Any Eligible Agency may obtain one (1) Entry without binding any Qualifying Account. To do so, the Agency Principal must mail a hand-printed 3″ x 5″ card to EMPLOYERS, Attention: Marketing Manager — Bind Your Way to the Bowl, P.O. Box 539003, Henderson, NV 89053-9003. The submission card must state the agency’s legal name, agency code, the Agency Principal’s name and title, mailing address, and telephone number. Alternate Entries must be received by 11:59:59 p.m. Pacific Time on November 30, 2026. Limit one (1) Entry per Eligible Agency under this Section. Mechanically reproduced, automated, or bulk submissions are void.

B. An Eligible Agency may submit an Entry under this Section whether or not it also earns Entries under Section 5. An Entry submitted under Section 6 has the same chance of being selected in the Drawing as any Entry earned under Section 5. Entries from both Sections shall be aggregated.

7. Adjustments, Reversal, and Disqualification

A. Entries will be reversed for any Qualifying Account that is cancelled, flat-cancelled, rescinded, voided, or otherwise terminated (i) at any time during the Sweepstakes Period, or (ii) within ninety (90) days of its Bind Date, whichever period extends longer, regardless of cause.

B. If a reversal under Section 7.A occurs after the Drawing and reduces a selected Participant below three (3) Qualifying Accounts or below twenty thousand dollars ($20,000.00) in Aggregate Qualifying EAP, the prize is forfeited and an alternate will be selected under Section 8.B. A reversal that does not reduce a selected Participant below either threshold condition does not affect an award already made.

C. Sponsor may disqualify or reduce Entries associated with any account that, on audit, is found to have been bound outside applicable underwriting guidelines, materially misclassified, improperly issued, or submitted principally for the purpose of generating Entries. Sponsor may also disqualify any Participant that tampers with the entry process, submits false information, or acts in violation of these Terms. Sponsor’s determinations as to Qualifying Accounts, Entries, eligibility, winners, or any other matter arising from the Sweepstakes are final and binding.

8. Winner Selection; Odds

A. Six (6) Participants will be selected in a random drawing from among all eligible Entries on December 4, 2026 (the “Drawing Date”). The Drawing will be conducted by Sponsor or by an independent administrator, using a documented and auditable random selection method. The list of eligible Entries, the selection method, the timestamp, and the results will be recorded and retained under Section 20.

B. No Participant may win more than one prize. If a Participant already selected is drawn again, that Entry is void and an additional Entry will be drawn. Odds of winning depend on the total number of eligible Entries received. Sponsor will draw as many alternates as required, in the order drawn, to be used if a selected Participant is disqualified, forfeits, declines, cannot be contacted, or fails to return the Winner Acceptance Packet required by Section 10. Sponsor will continue drawing alternates until six (6) prizes have been accepted or until the eligible Entries are exhausted, and is not required to award a prize that no eligible Participant accepts.

9. Prizes

A. Six (6) prizes will be awarded. Each prize consists of the following for the two (2) Attendees stated in Section 11:

1. admission to the Event for two (2) Attendees as guests of Sponsor, in EMPLOYERS’ suite;
2. reimbursement of documented round-trip air travel actually incurred by an Attendee, up to five hundred dollars ($500.00) per Attendee;
3. two (2) nights’ hotel accommodation at a hotel designated by Sponsor, one (1) room, double occupancy, exclusive of incidental charges;
4. reimbursement of ground transportation between the arrival airport and the Sponsor-designated hotel, up to one hundred dollars ($100.00); and
5. ground transportation between the Sponsor-designated hotel and the Event venue, arranged and paid for directly by Sponsor.

B. No ticket, credential, or other instrument of admission to the Event is sold, transferred, assigned, or delivered to the winning Participant or to any Attendee, and none becomes the property of either. All tickets and credentials remain the property of Sponsor at all times. Admission is extended solely as hospitality hosted by Sponsor; Attendees are admitted as Sponsor’s guests, will be hosted in the EMPLOYERS suite, and acquire no right of entry independent of that hospitality. Sponsor may withhold or revoke admission at any time in its discretion. The approximate retail value of each prize is $4,300.00, comprising $2,000.00 for Event admission, $1,000.00 for air travel, $800.00 for hotel accommodation, and $500.00 for ground transportation. The aggregate approximate retail value of all prizes is $25,800.00. Sponsor will separately determine the fair market value of each prize for tax reporting under Section 12, will document the basis of that determination, and will retain that documentation under Section 20. No cash equivalent will be paid and no substitution is permitted except by Sponsor, which may substitute a prize of comparable or greater value. Prizes are not transferable or assignable and cannot be resold, and no prize element may be exchanged for tickets to the Event.

C. All costs not expressly listed in Section 9.A are the sole responsibility of the winning Participant and its Attendees, including meals and beverages other than those served in the suite, parking, baggage fees, fare or room upgrades, travel insurance, additional nights, gratuities, incidentals, and all ground transportation not expressly included. An Attendee who does not use the transportation Sponsor arranges under Section 9.A(v) receives no cash equivalent, substitution, or reimbursement for alternative transportation. Reimbursement under Section 9.A(ii) and (iv) will be paid to the winning Participant and not to any individual Attendee. To obtain reimbursement, the winning Participant must submit itemized receipts via e-mail to asena@employers.com no later than thirty (30) days after the Event. Sponsor will not reimburse amounts submitted after that date or amounts not supported by itemized receipts.

10. Winner Notification, Acceptance, and Documentation

A. Selected Participants will be notified on or about December 4, 2026 at the email address and/or telephone number of record for the Agency Principal. A selected Participant must accept the prize verbally or in writing (e-mail is sufficient) on or before December 11, 2026. Failure to respond by that date, declination, or failure to satisfy any requirement of these Terms results in forfeiture, and an alternate will be selected.

B. A selected Participant shall return a full and completed Winner Acceptance Packet on or before December 18, 2026. The Winner Acceptance Packet is a single instrument comprising (i) an attestation of eligibility; (ii) the acknowledgments in Section 13; (iii) the representations and covenants in Section 14; (iv) a liability release; (v) a publicity release, except where prohibited by law; (vi) a completed IRS Form W-9; and (vii) the Attendee Designation described in Section 11. Each selected Participant must satisfy Section 3.A at the Drawing Date, at the date of the Winner Acceptance Packet, and at the date of the Event. Sponsor will also verify each Attendee against the requirements of Section 11 prior to delivery and may decline to deliver any element of a prize to an individual who does not satisfy them.

11. Attendee Designation; Conduct

A. Each prize is awarded to the winning Participant. The Agency Principal will designate two (2) Attendees in writing on the form provided by Sponsor. Each Attendee must (i) be an owner, principal, employee, or appointed producer of the winning Participant, or a personal guest of such an individual; and (ii) not be a past, current, prospective, or applicant insured of EMPLOYERS, or an officer, director, employee, or representative of any such insured, provided that coverage written for the winning Participant or its affiliates on their own operations does not by itself disqualify that Participant’s owners, principals, employees, or appointed producers from being designated. If Sponsor determines that a designated Attendee does not satisfy this Section, Sponsor will notify the winning Participant, which may designate a replacement within five (5) business days. If no qualifying replacement is designated by that date, the prize element attributable to that Attendee is forfeited without substitution or compensation.

B. Attendance at the Event is subject to the rules of the venue, the Event operator, and any applicable ticket terms. Attendees must fully comply with the rules of the venue and the Event operator and with any conduct standards communicated by Sponsor. Sponsor may deny or revoke access for conduct it determines to be disruptive, unlawful, or inconsistent with those standards, without substitution or compensation. Attendees attend the Event as guests of the Sponsor. Any credential issued for entry remains the property of Sponsor, is non-transferable, and must be surrendered on request. Alcoholic beverages, if served, will be served only to Attendees of legal drinking age.

12. Taxes

The value of a prize is taxable to the winning Participant. Sponsor will report the fair market value of the prize as required by law, including on IRS Form 1099-NEC or 1099-MISC where applicable. Because the Event occurs in January 2027 and reimbursement follows it, prize value will be reported for the 2027 tax year. Winning Participants shall be solely responsible for all federal, state, and local taxes arising from a prize and should consult their own tax advisors.

13. Producer Compensation; Insured Neutrality; Non-Steering

Prizes awarded herein constitute compensation from an insurer to a producer, awarded in connection with the Participant’s activities under its Producer Agreement. No prize awarded under the Sweepstakes is an incentive, inducement, or rebate to any insured, applicant, or prospective insured, nor a thing of value provided in connection with the purchase, renewal, or continuance of any policy of insurance. Each Participant: (i) is responsible for satisfying its own obligations under applicable law to disclose compensation received from insurers, including any obligation to disclose upon request; and (ii) covenants that it will not share, rebate, credit, assign, or pass any portion of a prize to (a) any past, current, prospective, or applicant insured, or (b) any individual who is not licensed and appointed where licensure or appointment would be required to receive compensation. Designation of an Attendee under Section 11 is not a transfer prohibited by this Section, and an Attendee need not be licensed or appointed. Nothing in these Terms supersedes an Eligible Agency’s duty to its clients.

14. Winner Representations

By returning the Winner Acceptance Packet, each selected Participant represents, warrants, and covenants as of the date of the Winner Acceptance Packet, as well as the date of the Event, that:

1. no policies or agreements prevent its personnel from accepting the prize and attending the Event;
2. acceptance of a prize does not violate any applicable law, regulation, or rule;
3. the Agency Principal has authority to bind the Participant and to make the Attendee Designation;
4. it has not offered any portion of the prize as an inducement to any insured or prospective insured;
5. all information provided in the Winner Acceptance Packet is accurate and complete; and
6. it will notify Sponsor promptly if any representation becomes inaccurate before the Event.

15. Publicity

Except where prohibited by law, acceptance of a prize constitutes consent for Sponsor to use the Participant’s agency name, city and state, and the names, likenesses, and photographs of Attendees taken in connection with the Event, in Sponsor’s marketing and internal communications, without further notice, review, or compensation. A winning Participant may decline photographic and likeness use by written notice to Sponsor prior to the Event. A declination under this Section will not affect the award of the prize.

16. Release and Limitation of Liability

Each Participant, on its own behalf and on behalf of its Attendees, releases Sponsor, the Carriers, their affiliates, and their respective officers, directors, employees, and agents from any claim arising out of participation in the Sweepstakes or the acceptance, use, travel associated with, or attendance in connection with a prize. Attendees shall assume all risk associated with travel to and attendance at the Event. Sponsor is not responsible for lost, late, misdirected, or incomplete Entries, or for technical, data, transmission, or communications failures. Sponsor is not liable for any claim, loss, or fee incurred that is not expressly covered by Sponsor under Section 9. Nothing in this Section limits liability to the extent it may not be limited under applicable law.

17. Modification; Suspension; Force Majeure

Sponsor may modify, suspend, or terminate the Sweepstakes in whole or in part if it becomes technically or legally impaired or cannot be conducted as contemplated by these Terms. If the Event is cancelled, postponed, or relocated, or if suite or ticket access becomes unavailable for any reason, Sponsor may substitute a prize of comparable value, or defer the prize to a comparable future event, in either case at a cost not exceeding the approximate retail value stated in Section 9.B for the affected prize, or terminate the affected prize element without further obligation. Sponsor is not liable for any failure or delay caused by acts of God, severe weather, epidemic, governmental or regulatory action, labor dispute, action of the venue or Event operator, or any other cause beyond Sponsor’s reasonable control.

18. Communications; Opt-Out

Because no enrollment is required, the opt-out is the sole means by which an agency may decline to participate. An Eligible Agency may opt out at any time, including after the Drawing and before acceptance, by written notice to promotions+bindyourwaytothebowl2026@employers.com or to EMPLOYERS, Attention: Marketing Manager — Bind Your Way to the Bowl, P.O. Box 539003, Henderson, NV 89053-9003, upon which its Entries are void and it will not be selected or, if already selected, will be treated as declining under Section 10.A. Sponsor will state the opt-out method in every Sweepstakes communication and in the agency-facing materials describing the Sweepstakes.

19. Disputes; Governing Law; Waiver of Certain Damages

These Terms are governed by the laws of the State of Nevada, without regard to conflict of laws principles. Any dispute concerning a Producer Agreement, including any question of commission or compensation arising outside these Terms, will be resolved in accordance with that agreement with the applicable Sponsor or Carrier. To the extent permitted by law, each Participant waives any claim for punitive, incidental, consequential, or exemplary damages, and agrees that any dispute will be resolved individually and not on a class or representative basis.

20. Records

Sponsor will provide an Eligible Agency its own Entry count on request and will not publish standings or disclose any other Eligible Agency’s Entry count. A list of winners is available on written request to EMPLOYERS, Attention: Marketing Manager — Bind Your Way to the Bowl, P.O. Box 539003, Henderson, NV 89053-9003 until June 30, 2027. Sponsor will make these Terms available at https://www.employers.com/bowl26 through the date of the Event for all appointed agencies. Sponsor will also retain the Sweepstakes file, including but not limited to the eligible Entry list, the Drawing record, and all winner documentation, for at least five (5) years after the Sweepstakes.

21. Miscellaneous

These Terms control over any inconsistent statement in any marketing or agency-facing material relating to the Sweepstakes. If any provision is held unenforceable, the remaining provisions remain in effect. Sponsor’s failure to enforce any provision is not a waiver of that provision. Headings are for convenience only and do not affect interpretation of these Terms.

This sweepstakes is sponsored solely by EIG Services, Inc., and is not sponsored, endorsed, or affiliated with any bowl organization, college football playoff organization, athletic conference, university, stadium, venue operator, or event sponsor.