Prize Indemnity Insurance

You run a hardware store. You're trying to drive some traffic, so you come up with a contest. You fill a giant jar to the brim with bolts. Anyone who can guess the number of bolts exactly will win a $10,000 vacation to Porto, Portugal (you've never been there, but you saw a pre-roll ad on YouTube that made it look nice).

One problem: you can't really afford the $10,000. If someone actually wins, you'll be sunk. You think you made the contest hard enough that no one could actually win, but someone could get blind-lucky.

Enter prize indemnity insurance. Instead of sweating out the contest, hoping against hope that no one guesses the total number of bolts correctly, you pay a smaller, set fee to an insurance company. If someone wins, they pay the prize. If no one wins, they get to pocket the money you gave them...but at least you lowered your risk of getting cleaned out if someone gets lucky.