The 1st Annual – March Basketball Madness Photo Contest


TO ENTER: Like our Higgins Insurance & Benefits Facebook page & send us your completed bracket by clicking the Bracket Photo Contest tab.

Click here to download a free March Basketball Madness Bracket, so you can enter your photo today!


Dates: March 19, 2016 through April 6, 2015
Entries: All photos entered have an equal chance to WIN, just by submitting your photo.
Winner: Will be chosen at random, by a 3rd party software (Not based on correct answers or game results).
Prize: $200 Visa Gift Card

Terms and Conditions:

  1. The promoter of this contest is Higgins Insurance.
  2. Employees of Higgins Insurance, or their family members or anyone else connected in any way with the contest or helping to set up the contest shall not be permitted to enter the contest.
  3. There is no entry fee and no purchase necessary to enter this contest.
  4. Route to entry for the contest and details of how to enter are on Higgins Insurance Facebook page and website.
  5. Closing date for entry will be April 6, 2015 at 8am. After this date, no further entries to the contest will be permitted.
  6. No responsibility can be accepted for entries not received for whatever reason.
  7. The rules of the contest and the prize for the winner are as follows: Further information can be found at Higgins Insurance Facebook page and website.
  8. Higgins Insurance reserves the right to cancel or amend the contest and these terms and conditions without notice in the event of a catastrophe, war, civil or military disturbance, ebola outbreak, act of God or any actual or anticipated breach of any applicable law or regulation or any other event outside of the promoter’s control. Any changes to the contest will be notified to entrants as soon as possible by the promoter.
  9. Higgins Insurance is not responsible for inaccurate prize details supplied to any entrant by any third party connected with this contest.
  10. The winner of the contest must be the owner of completed bracket in the photo submitted.
  11. The winner of the photo contest will not be chosen by the number of correct game results, but by random for submitting a photo.
  12. All participants that submit a photo have an equal chance for winning the prize.
  13. The giveaway prize is a $200 Visa Gift Card.
  14. No cash alternative to the prize will be offered. The prize is not transferable. The prize is subject to availability and we reserve the right to substitute any prize with another of equivalent value without giving notice.
  15. Must be at least 18 or older, and Kentucky or Tennessee resident to enter. Only one entry per household.
  16. Winner will be chosen at random by a neutral third party software after the contest ends, April at 7, 2015, at 10:00am.
  17. The winner will be notified by email and/or phone call within 7 days of the closing date. If the winner cannot be contacted or does not claim the prize within 14 days of notification, we reserve the right to withdraw the prize from the winner and pick a replacement winner.
  18. Higgins Insurance will notify the winner when and where the prize can be collected.
  19. Higgins Insurance has the final decision in respect of all matters to do with the contest, will be final and no correspondence will be entered into.
  20. The contest and these terms and conditions will be governed by Kentucky and Tennessee state law and any disputes will be subject to the exclusive jurisdiction of the courts of the state of Tennessee.
  21. The winner agrees to the use of his/her name and image in any publicity material. Any personal data relating to the winner or any other entrants will be used solely in accordance with current U.S. data protection legislation and will not be disclosed to a third party without the entrant’s prior consent.
  22. The winner’s name will be available 28 days after closing date by sending a stamped addressed envelope to the following address: Higgins Insurance, PO Box 552, Hopkinsville, Kentucky, 42241.
  23. By entering this contest, an entrant is indicating his/her agreement to be bound by these terms and conditions.
  24. Entry into the contest will be deemed as acceptance of these terms and conditions
  25. This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook, Twitter, Instagram, or any other Social Network. You are providing your information to Higgins Insurance and not to any other party.



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