Official rules and regulations  

Mitch Insurance 2022 holiday season contest – Official rules and regulations



This Contest is sponsored and operated solely by Mitch Insurance (operated by Mitchell & Whale Insurance Brokers Ltd.). The Contest begins at 9:00 AM ET on December 20, 2022 and ends at 11:59 PM ET on January 1, 2023.


To be eligible for this Contest, an individual must be a resident of Ontario and be of the age of majority or older at time of entry.


Employees of Mitch Insurance, and all of their immediate families (i.e. parent, child, sibling or spouse) and persons living in the same households as these individuals (whether related or not) are not eligible to participate in the Contest.



To enter the social media contest, participants must like Mitch Insurance’s Facebook, Twitter or Instagram page and leave a comment on the contest post.

To enter the website contest, participants must visit, find all five (5) of the elves hidden on the website and email their locations to to be entered to win. 

Entries for both the social media and website contests must be received no later than 11:59 PM ET on January 1, 2023. While participants can enter both contests, each participant shall be eligible to win only one (1) prize.


For the social media contest, there are two (2) $250 prizes to be won.

For the website contest, there is one (1) $1,000 prize to be won.

The prize draws will take place on January 3 and the winners will be notified after the random draw has been completed. The prizes will be sent to winners by e-Transfer.


Contest release

By entering the Contest, participants agree to release, discharge and hold harmless Mitch Insurance and its affiliates, subsidiaries, agencies and their respective officers, directors, employees and agents, from any and all damages whether direct or indirect, which may be due to or arise out of participation in the Contest or any portion thereof, or the acceptance, use/misuse or possession of Prizes. By participating, participants agree to be bound by these Rules, including all eligibility requirements, and to the decisions of Mitch Insurance whose decisions are final and binding in all respects. Failure to comply with these Rules may result in disqualification from the Contest.

All federal, provincial and local laws and regulations apply. No responsibility or liability is assumed for any computer, telephone, cable, network, satellite, electronic or hardware or software malfunctions, failures, connections, traffic congestion, labour unrest, or unauthorized human intervention, or the incorrect or inaccurate capture of entry or other information, or the failure to capture any such information.

Prize release

If a participant wins and accepts a Prize, such acceptance shall mean full satisfaction of the entitlement as a participant and winner in the Contest and the participant fully discharges and forever releases Mitch Insurance and their respective divisions, subsidiaries, affiliated and related companies and associates, direct or indirect, advertising and promotional agencies, any provincial authorities and all of their respective agents, partners, employees, representatives, shareholders, officers, directors, successors and assigns (collectively, the “Releasees”), of and from any and all claims, demands, losses, damages, actions or causes of action whatsoever, whether known or unknown, whether at law or in equity which they or their heirs, executors, administrators, successors or assigns may now or hereafter have against any of the Releasees in connection with the Prize.

The participant also acknowledges, without limiting the generality of the foregoing, that the Releasees will not be responsible for any injury, accident, or any other loss, damage or expense in connection with the participation in the Prize including, without limitation, in respect of any medical care or treatment that the Releasees, or any person authorized by any of them, may administer to the participant in the event of injury or illness during participation in the Prize. The participant also acknowledges that none of the Releasees has offered any warranty or guarantee respecting the Prize and that the participant will direct any claims he or she may have relating to the Prize exclusively to the supplier, manufacturer or originator, as the case may be, of the Prize.

Further, the participant assumes all responsibility and liability for any loss, injury or damage to any persons or property, which results from the participant’s actions or omissions, whether negligent or otherwise, in connection with the Prize.

Acceptance of the Prize shall be considered consent to Mitch Insurance to use, without further compensation to the participant, name, city of residence, voice, statements and any photograph, film rendering or tape recording of the participant, by or on behalf of Mitch Insurance in connection with the Contest in any form of publication or display including, without limitation, newspapers and other publications, radio and television broadcasts, film releases and interactive media worldwide.


The winner of the Prize will be contacted by social media (if they entered the social media portion of the contest) and email (if they entered the website portion of the contest). If the selected entrant does not respond after a minimum of three (3) attempts within fourteen (14) calendar days of the first attempt at contact, the selected entrant will forfeit the Prize and another entrant will be selected in the manner described above. When the winner is contacted such person shall have to answer correctly, and without assistance of any kind, a mathematical skill-testing question administered by Mitch Insurance staff. All decisions of Mitch Insurance are final and binding.

Before being awarded the Prize, the selected entrant will be required to sign a declaration and release form stating that he/she has read, understood and complied with these Rules, accepts the Prize as offered with terms and conditions as included by Mitch Insurance and releases Mitch Insurance and its affiliates, subsidiaries, agencies and the respective officers, directors, employees and agents thereof from any and all liability of any kind arising out of the selected entrant’s participation in this Contest and receipt and use of the Prize as awarded. If the selected entrant does not respond in the prescribed time, fails to claim the Prize, fails to return the signed declaration and release as required or is otherwise ineligible, the Prize may be forfeited and an alternate entrant will be selected in the manner described above. Mitch Insurance reserves the right to post or publish the winner’s name, city, or province of residence, photograph, likeness, voice or other statements on the Mitch Insurance website for advertising and promotional purposes, where lawful, without further compensation to the winner.


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


By participating in the Contest each entrant: (i) grants Mitch Insurance the right to use their personal information provided when they enter the Contest for the purpose of administering the Contest, (ii) grants Mitch Insurance the right to use their personal information for the purposes relating to Contest in any and all media without further compensation unless prohibited by law; and (iii) acknowledges that Mitch Insurance may disclose their personal information collected for the purpose of the Contest to third-party agents and service providers of Mitch Insurance in connection with the Contest for the purpose of the activities listed in (i) and/or (ii) above.

Mitch Insurance will use each entrant’s Personal Information only for identified purposes, and protect each entrant’s Personal Information in a manner that is consistent with Mitch Insurance’s Privacy Policy at:


Mitch Insurance will not be responsible for mail, telephone, technical, network, online, electronic, computer hardware or software interruptions or failures of any kind, misdirected, stolen, incomplete, incomprehensible or delayed Internet/e-mail computer transmissions on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including any injury or damage to a participant’s or any other person’s computer relating to or resulting from participation or downloading any materials in this Contest.

Mitch Insurance extends absolutely no representations or warranties in respect of any Prizes and accepts no liability arising in respect of such Prizes or in the use thereof.

If for any reason in the opinion of Mitch Insurance, in its sole discretion, the Contest is not capable of running as planned or if the administration, security, fairness, integrity, or proper conduct of the Contest is corrupted or adversely affected, including without limitation by reason of infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes, Mitch Insurance reserves the right to cancel, terminate, modify or suspend the Contest, including without limitation the cancellation of any method of entry or the extension or modification of the Contest start and end dates. In such circumstances, Mitch Insurance reserves the right to randomly select a winner from previously received valid entries.


All federal, provincial, local, and other taxes on the Prize, if any, are the sole responsibility of the winner.


Any attempt by any individual, whether or not a participant, to damage, destroy, tamper or vandalize the Mitch Insurance website, or otherwise interfere with the operation of this Contest, is a violation of criminal and civil law and Mitch Insurance reserves the right to seek damages and diligently pursue all remedies in this regard against any offending individual or entity to the fullest extent permissible by law.


This Contest is conducted in English and any and all disputes will be resolved in the appropriate courts of the Province of Ontario, Canada exclusively, and subject to the laws of Ontario without regard to its conflict of laws principles.

13. LAWS

These are official Contest rules. This Contest is subject to federal, provincial and municipal laws and regulations. These rules are subject to change without notice in order to comply with any applicable federal, provincial and municipal laws or the policy of any other entity having jurisdiction over the Sponsors.