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SCA Background

1. Who is SCA?

SCA is the world’s leading provider of prize coverage for promotions, contests, and games. Our clients include Fortune 500 companies, independent retailers, media, sports teams, Internet companies, as well as advertising and insurance agencies. We assume the risk on promotions, and if there is a winner, we provide our clients with the money to cover their grand prize payouts. Our clients do not have to worry about a promotion being too successful and breaking their budget, as they pay a fixed cost upfront.

2. How do prize coverage programs work?

Clients come to us with a need, an idea, or a fully-fleshed-out campaign. We calculate the odds to develop an expected pay-out, secure coverage, and charge a fixed fee to the client. Fees are typically 3–15% of the actual prize value being offered. The client then runs the promotion, and if there is a winner, we provide them with money to cover their grand prize.

3. How long has SCA Promotions been in business?

SCA was founded in 1986 in Dallas, TX. Since then, we have covered billions of dollars and have paid out over $193 million in cash and prizes.

4. What happens if someone wins the grand prize?

We will review the claim and send payment within one week. In cases where the prize claim is of public record, payment can often be delivered within three business days once the terms in the contract have been verified.

5. Am I purchasing insurance?

No.  We provide prize coverage and secure the agreement with you (the promotion sponsor) on a business contract. SCA retains some risk while the bulk of the overall risk is placed with various insurers, such as North American Specialty Insurance Company, a Swiss Re company.

6. Does SCA offer sweepstakes administration services or just prize coverage?

We provide both. SCA’s staff has an in-depth knowledge of sweepstakes and contest rules and regulations. We can work with you as much or as little as you want on your sweepstakes, providing bonding and registration only, or working with you on every aspect of your promotion from administration and rules to fulfillment. Read more about our sweepstakes services HERE.

7.  How do you work with marketing/promotion agencies?

We work with marketing and promotion agencies as much or as little as needed. We can be a silent partner simply providing prize coverage and security or we can provide a wide range of ancillary services to complement your agency’s efforts. Read more about our partnership with marketing agencies HERE.

8. Do you pay a commission to insurance brokers?

We do! We value our insurance broker partners and help them to generate more sales with existing clients as well as cultivate new client relationships. Find out more about our insurance broker partnerships HERE.

9. Does SCA Promotions offer prize coverage for promotions outside the United States?

Yes, we have subsidiaries in foreign markets that know the business climate well and can be a hands-on resource for our foreign clients. PIMS-SCA takes care of our European and UK clients. Find out more at www.pims-sca.com.

We also have partners across the globe. Call SCA today and we will introduce you to a partner in your area.

10.  Can I sign up to be a distributor of SCA?

Contact us at 888-860-3770 to discuss your options.

11. Where can I find a list of active promotions?

Stay connected with SCA and some of our active promotions by following our social media channels. LinkedInTwitterFacebook.


1. How will a promotion help my business?

According to eMarketer, the chance to win is the number one most effective tool to motivate consumers to participate in permission-based marketing efforts. Our promotions have increased sales, driven traffic, boosted client databases, and so much more. Our promotion experts will work with you to design a promotion that meets your specific needs. Browse our case studies HERE to find out how promotions have impacted businesses.

2. Is there a limit to the prize value I can offer?

No. We have experience covering prize amounts from $5,000 up to $1 billion.

3. What does promotional risk coverage cost?

It depends—we take into consideration the expected payout, the grand prize you are offering, whether or not it is skills-based or mathematical odds, and the number of chances to win. Fees are typically 3–15% of the actual prize value being offered. Visit our quote request page on the right sidebar or call SCA today at 888-860-3770.

4. When planning my promotion, when should I call SCA?

If your promotion is straightforward, like a hole-in-one contest or a half-court shot, SCA can provide your coverage with just a day or two of notice. Many promotions take longer to process though, particularly those that require registration and bonding or web development; those can take weeks. We recommend including SCA as early in the planning process as possible for any custom promotions.

Legal and other considerations

1. Are there legal considerations?

Yes.  Promotions are regulated by the states, and each state has different laws. We have an in-depth knowledge of these rules and laws, and will ensure that any promotion you run with us complies with all laws in the state where it is hosted.

2. Do I have to bond and register my promotion?

Four states require bonding and registration: New York, Florida, Rhode Island, and Arizona. We will make sure all bonding and registration is complete before your promotion begins.

Additional info for those currently running an SCA promotion

1. What should I do if I have a winner?

Call your SCA representative immediately to find out what steps you need to take to get your payment. Your contract will also provide you with important information, such as tax forms for your winner to fill out.  If it is after hours, call 214-507-8749.

2. What if I want to keep the promotion running after having a winner?

Discuss options with your SCA representative as soon as possible.  In many cases, you can purchase additional coverage to keep your promotion going.

3. How do I get a hold of SCA after business hours? Support # / Claims #

For kiosk support, call 214-860-3776.

For claims, call 214-507-8749.

For JackPot Machine technical assistance, call 972-965-2081.


A Few Partners Who Like to Win
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  • mcdonald's logo
  • mlb logo
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  • NFL logo
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  • saatchi & saatchi logo
  • sam's fine jewelry logo
  • starbucks logo
  • toyota logo
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