Customer Appreciation Month Giveaway: Official Rules

NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED.

Last updated: 11/04/2026

1. Sponsor

The Customer Appreciation Month Giveaway (the “Giveaway”) is sponsored by Sica Insurance & Financial Services, 107 Burnside Ave, East Hartford, CT 06108 (the “Sponsor”).

2. Giveaway period

The Giveaway begins at 12:00 AM Eastern Time (ET) on October 31, 2026 and ends at 11:59 PM ET on December 15, 2026 (the “Entry Period”). The Sponsor’s records are the official timekeeper.

3. Eligibility

The Giveaway is open to residents of the United States who are 18 years of age or older at the time of entry. Employees, officers, producers and agents of the Sponsor, their immediate family members, and members of their households are not eligible. The Giveaway is void where prohibited by law.

4. How to enter

Entries are earned by completing the actions in the table below during the Entry Period. Each action may be completed up to the stated limit, and entries beyond the limit will not count.

Action	Entries	Limit
Follow Sica Insurance & Financial Services on Instagram and Facebook	1	Once
Like and comment on the Giveaway announcement post, tagging one friend	1	Once
Make a “thank you” video to Sica and tag @sicainsurance	3	Once
Post a photo with #SicaSaysThanks and tag @sicainsurance	3	Up to 2 posts
Leave an honest Google review of Sica	1	Once
Refer a friend who requests a quote (a “Qualifying Referral,” see Section 5)	3	Unlimited
Visit the Sponsor’s office for “Coffee with Sica” on a Friday	1	Once per Friday
Complete a free insurance or coverage review	1	Once

Submitting entries. Entries earned on social media are tracked by the Sponsor through the follows, comments, tags and hashtags on public accounts. Entries for Google reviews, Qualifying Referrals, Friday visits and coverage reviews must be reported to our email [email protected]. The Sponsor may verify any entry, and entries that cannot be verified will not count.

Social media posts. To receive entries for a video or photo post:

Your account must be public from the time of posting until the winners are announced.
The post must include #SicaSaysThanks and tag @sicainsurance.
Because you are receiving entries for the post, you must clearly disclose your connection to the Giveaway, for example by adding #giveaway or #contest.
Deleted, edited or privatized posts may lose their entries.

Google reviews. Reviews must reflect your honest experience. Entries are awarded for leaving a review, not for the content or rating of the review.

5. Qualifying Referrals

A “Qualifying Referral” means that:

the person you referred is not a current Sica client and has not received a Sica quote in the past 6 months;
the person requests an insurance quote from Sica during the Entry Period; and
the person names you as the referrer when making the request, or you report the referral to [email protected] and the Sponsor confirms it.

A referral earns entries when the quote is requested. The person you refer is not required to buy any insurance for you to receive the entries. Referring yourself, or another member of your household, does not qualify.

6. Free method of entry (no purchase necessary)

Entering the Giveaway does not require you to buy, apply for or change any insurance policy or to purchase anything else. If you do not have a social media account or prefer not to use social media, you may enter by one of the following methods:

Referrals: Refer a friend who requests a quote.
In person visits to our office on Fridays: .
Video entries without social media: you may email your “thank you” video to [email protected] with your full name and phone number.

The Friday coffee visit, the coverage review and referrals do not require a social media account. Chances of winning are not affected by the method of entry.

7. Prizes

Grand prize (1): one 50-inch flat-screen television. Approximate retail value (ARV): $[amount].

Additional prizes : Insurance merch, hampers, gift cards, etc.

Total ARV of all prizes: $[amount].

Prize conditions:

Prizes are non-transferable, and no cash or substitute is offered, except that the Sponsor may substitute a prize of equal or greater value if the prize becomes unavailable.
The Sponsor is not responsible for delivery, installation, warranty claims or any other cost of using the prize, and makes no warranty about the prize.
The prize is awarded “as is.” The winner is responsible for all taxes, fees and expenses related to the prize.
If the total prize value received by one winner reaches the amount that requires reporting under law, the winner must provide the information needed to complete tax forms.

8. Winner selection and notification

Drawing. The Sponsor will randomly select the winner(s) on or about December 18, 2026 from all eligible entries received during the Entry Period. The drawing will be conducted by the Sponsor and is not live-streamed. Each entry has one chance, so the more entries an entrant earns, the more chances that entrant has.

Odds. Odds of winning depend on the number of eligible entries received.

Notification. Winners will be notified by phone, email or direct message within 3 business days of the drawing, using the information provided. Winners will also be announced on the Sponsor’s social media pages [first name and last initial only].

Claiming. To claim a prize, the winner must:

respond within 7 days of notification;
confirm eligibility, show valid photo ID, and sign any required affidavit of eligibility and release; and
pick up the prize at the Sponsor’s office.

If a winner cannot be reached, does not respond in time, is found ineligible, or does not comply with these rules, the prize may be forfeited and awarded to an alternate winner chosen at random from the remaining eligible entries.

Winner list. To request the name of the winner(s), email [email protected] after December 20, 2026 and before December 25, 2026, or mail a self-addressed stamped envelope to the address in Section 1.

9. Content and conduct rules

By submitting a video, photo or other content, you confirm that:

the content is your own original work, and you have the right to share it;
it does not contain third-party copyrighted material (for example music or footage) other than audio or effects licensed through the platform;
it does not include personal or confidential information, such as policy numbers, claim details, or private information about other people;
it does not feature anyone under 18 without the permission of that person’s parent or legal guardian;
it is not defamatory, offensive, unlawful, misleading, or inappropriate for a general audience; and
it does not make statements about insurance coverage, pricing or claims that could mislead others.

The Sponsor may remove content and disqualify entries that break these rules or the rules of the platform where the content is posted.

License. By tagging or submitting content, you give the Sponsor a non-exclusive, royalty-free permission to reshare, repost and display your content, with your name or handle, on the Sponsor’s website and social media channels. You keep ownership of your content, and you can ask the Sponsor to remove it at any time by emailing [email protected].

10. Publicity

Except where prohibited, acceptance of a prize means the winner agrees that the Sponsor may use the winner’s first name, last initial, city and photo for promotional purposes related to the Giveaway, without additional compensation.

11. General conditions

No effect on insurance. Entering or winning has no effect on any insurance coverage, quote, premium, underwriting decision or claim. Sica is not offering anything of value in exchange for purchasing or keeping a policy.
One entrant per person. Entrants may not use multiple accounts, automated means or any other method to gain extra entries. The Sponsor may disqualify any entrant who tampers with the entry process or the Giveaway.
Changes and cancellation. The Sponsor reserves the right to cancel, change or suspend the Giveaway, or to change the dates in these rules, if fraud, technical failure, or any other cause beyond its control affects the fairness or integrity of the Giveaway. Any changes will be posted on this page.
Technical issues. The Sponsor is not responsible for lost, late, misdirected, incomplete or illegible entries, or for any technical problems with a platform, network or device.
Release and limitation of liability. By entering, you release the Sponsor, its owners, employees, agents and affiliates from any claim, loss or damage related to the Giveaway or the acceptance, use or misuse of any prize, to the extent permitted by law.
Disputes and governing law. These rules are governed by the laws of the State of Connecticut. Any dispute will be resolved in the courts located in [Hartford County], Connecticut, to the extent permitted by law.
Severability. If any part of these rules is found unenforceable, the rest remains in effect.

12. Privacy and communications

Information you provide is used only to run the Giveaway, verify entries, contact winners and, if you agree, to share updates from Sica. Entering the Giveaway does not sign you up for marketing emails or text messages. See the Sponsor’s Privacy Policy here. Your information is provided to the Sponsor and not to any social media platform.

13. Platform disclaimer

This Giveaway is in no way sponsored, endorsed or administered by, or associated with, Instagram, Facebook, Meta or Google. You are providing your information to Sica Insurance & Financial Services and not to Instagram, Facebook, Meta or Google. Entrants must follow each platform’s terms of use.

14. Questions

For questions about these rules, call 860-566-8822, email [email protected], or visit the Sponsor’s office at 107 Burnside Ave, East Hartford, CT 06108.