Contest Rules
NO PURCHASE IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. ALL FEDERAL, STATE, LOCAL, AND MUNICIPAL LAWS AND REGULATIONS APPLY. VOID WHERE PROHIBITED.
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Eligibility
The Cayman Free Drawing (the “Contest”) is open to legal residents of the fifty (50) United States and the District of Columbia who are at least eighteen (18) years old at the time of entry. Void where prohibited, taxed or restricted by law. Employees of TDC Specialty Underwriters, LLC, and other companies associated with the promotion of the Contest, and their respective parents, subsidiaries, affiliates and advertising and promotion agencies as well as the immediate family (spouse, parents, siblings, and children) and household members of each such employee are not eligible. The Contest is subject to federal, state, and local laws and regulations.
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Sponsor
The Contest is sponsored by TDC Specialty Underwriters (“Sponsor”), LLC located at 29 Mill Street, Unionville, CT 06085.
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Contest Period
The Contest begins on December 1, 2025, at 3:00 pm and ends on December 9, 2025, at 11:59 pm (the “Contest Period”). Entries that are submitted before or after the Contest Period will be disqualified.
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How to Enter
NO PURCHASE NECESSARY. On-Site: To enter the Contest, simply ask our team for the QR code during the Cayman Captive Forum 2025, scan the QR code, and enter the required contact information (“Entries”). The entry form will require that you fill in your name, address, email address, and telephone number.
Limit one (1) entry per person and per household for the duration of the Contest Period. Entries received from any person or household in excess of the stated limitation will be void. All entries become the property of Sponsor and will not be acknowledged or returned. Sponsor is not responsible for lost, late, stolen, or misdirected Entries.
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Prize Drawing
On December 9, 2025, Sponsor will select potential winners for the Prizes in a random drawing from among all eligible entries received. The odds of being selected depend on the number of entries received.
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Prizes
Two prizes will be awarded, each with a total approximate retail value (ARV) of $350.00. The Prizes are non-transferable and must be accepted as awarded. No prize substitutions, exchanges, or cash equivalents will be permitted by the prize winners, except that Sponsor reserves the right to substitute a prize of comparable or greater value if deemed necessary by Sponsor in its sole discretion. Subject to sufficient eligible entries, the Prizes will be awarded. All federal, state and local taxes, where applicable, are the sole responsibility of the winner. The winners are also responsible for all fees, surcharges, and expenses not mentioned in these Official Rules and associated with acceptance, award, enjoyment, and/or use of the Prizes. Sponsor is not responsible for winner limitations that prevent acceptance or use of the Prizes.
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Notification of Winners and Prize Delivery
Sponsor will attempt to notify the potential winners via telephone or email on or about December 10, 2025. The phone number and/or email address on the Entry will be used to contact the respective winners. In the event the phone number or email address on an Entry is invalid, illegible or is not that of the winner, or if the potential winner cannot be contacted within five (5) days after the date of the first attempt to contact him/her, or in the event that a potential winner is disqualified for any reason, Sponsor may award a Prize to an alternate winner by random drawing from among all remaining eligible entries. Only three (3) alternate drawings will be held, after which the Prize will remain un-awarded. The potential prize winner (or parent/legal guardian if a minor in his/her state of residence) will be required to complete, electronically sign and submit a Declaration of Compliance within five (5) days of the date notice or attempted notice is sent, in order to claim the Prize. If a potential winner cannot be contacted, or fails to submit the Declaration of Compliance within the required time period, or the Prize is returned as undeliverable, the potential winner forfeits the Prize. If a potential winner is at least 18 but still considered a minor in his/her jurisdiction of residence, Sponsor reserves the right to award the Prize in the name of his/her parent or legal guardian, who will be required to sign the Declaration of Compliance on the potential winner’s behalf and fulfill any other requirements imposed on winner set forth herein. The potential winner must continue to comply with all terms and conditions of these Official Rules, and winning is contingent upon fulfilling all requirements. The Prize will be fulfilled approximately 3-4 weeks after the conclusion of the Contest. Sponsor is not responsible for lost, delayed, or mishandled shipments or failure of delivery for any reason. The Prize will be sent to the address listed on the Entries. Sponsor is not responsible for incorrect addresses listed on the Entry.
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Conditions to Participation
Participation in the Contest constitutes entrant’s full and unconditional agreement to and acceptance of these Official Rules and the decisions of Sponsor, which are final and binding in all respects pertaining to this Contest. Winning a prize is contingent upon being compliant with these Official Rules and fulfilling all other requirements set forth herein. Sponsor reserves the right to modify these Official Rules for clarification purposes without materially affecting the terms and conditions of the Contest. By entry and acceptance of Prize, where permitted by law, a winner grants to Sponsor the right to print, publish, broadcast, and use, worldwide in any media now known or hereafter developed, discovered, or devised, including but not limited to the Internet, at any time or times, the winner’s full name, portrait, picture, voice, and likeness for advertising, trade, and promotional purposes without additional consideration, and without review, approval, or notification.
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General Conditions
In the event that the operation, security, or administration of the Contest is impaired in any way for any reason, including, but not limited to fraud, unauthorized human intervention or any technical problem, or in the event the Contest is unable to run as planned for any other reason, as determined by Sponsor in its sole discretion, Sponsor may, in its sole discretion, either (a) suspend the Contest to address the impairment and then resume the Contest in a manner that best conforms to the spirit of these Official Rules or (b) terminate the Contest and, in the event of termination, award the Prize at random from among the eligible, non-suspect entries received up to the time of the impairment. Sponsor reserves the right in its sole discretion to disqualify any individual it finds to be tampering with the entry process or the operation of the Contest or to be acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. Any attempt by any person to undermine the legitimate operation of the Contest may be a violation of criminal and civil law, and, should such an attempt be made, Sponsor reserves the right to seek damages (including attorneys’ fees) and any other remedies from any such person to the fullest extent permitted by law. Failure by Sponsor to enforce any provision of these Official Rules shall not constitute a waiver of that provision.
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Release and Limitations of Liability
By participating in the Contest, entrants agree to release and hold harmless Sponsor, and its parents, subsidiaries, affiliates, advertising and promotion agencies, other companies associated with the Contest, and each of their respective officers, directors, employees, shareholders, representatives, and agents (the “Released Parties”) from and against any claim or cause of action arising out of participation in the Contest or receipt or use of a Prize (including any travel or activity related thereto), including, but not limited to: (a) any technical errors associated with the Contest; (b) unauthorized human intervention in the Contest; (c) mechanical, network, electronic, computer, human, printing or typographical errors; (d) any other errors or problems in connection with the Contest, including, without limitation, errors that may occur in the administration of the Contest, including but not limited to errors in advertising these Official Rules, the selection and announcement of the winner, the distribution/awarding of a prize, the cancellation or postponement of the event, or in any Contest-related materials; (e) claims based on a publicity rights, defamation, or invasion of privacy and merchandise delivery; or (f) injury, death, losses or damages of any kind, to persons or property which may be caused, directly or indirectly, in whole or in part, from entrants participation in the Contest or acceptance, receipt or misuse of a Prize (including any travel or activity related thereto). Entrant further agrees that in any cause of action, Released Parties’ liability will be limited to the cost of entering and participating in the Contest, and in no event shall the entrant be entitled to receive attorneys’ fees. Released Parties also are not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any equipment or programming associated with or utilized in the Contest. Released Parties are not responsible if Contest cannot take place or if the Prize cannot be awarded or used due to cancellations, delays or interruptions due to acts of God, acts of war (declared or undeclared), natural disasters, weather, acts of terrorism, riot or civil disturbance, satellite or equipment failure, federal state or local government law, order or regulation, public health crisis, order of any court or jurisdiction, or other cause not reasonably within Released Parties’ control (each a “Force Majeure” event or occurrence).
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Disputes
Except where prohibited, each entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Contest or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in Illinois. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrants rights and obligations, or the rights and obligations of Sponsor in connection with the Contest, shall be governed by, and construed in accordance with, the laws of Illinois, without giving effect to any choice of law or conflict of law rules, which would cause the application of the laws of any jurisdiction other than Illinois.
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Privacy
Information collected from entrants is subject to Sponsor’s privacy policy found at tdcspecialty.com.
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Prize Winner Information
For the name of the prize winner, please send self-addressed, postage-paid envelope to: “Cayman Free Drawing,” 29 Mill Street, Unionville, CT 06085, by December 31, 2025.