2025 LIBERTY MUTUAL, SAFECO AND STATE AUTO INDEPENDENT AGENCY AGENT FOR THE FUTURE AWARDS OFFICIAL RULES
NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED OR RESTRICTED.
SPONSOR: The Liberty Mutual, Safeco and State Auto Independent Agency Agent for the Future Awards Contest (“CONTEST”) is sponsored by Safeco Insurance Company of America (“Sponsor” or “Liberty Mutual”), having a principal place of business at Safeco Plaza, 1001 Fourth Avenue, Seattle, WA 98154.
ELIGIBILITY: The CONTEST is only open to employees of independent insurance agencies who sell personal lines or small commercial lines products age 18 or older (“Entrants”). Entrants are not required to be authorized to write business for Liberty Mutual, Safeco or State Auto Insurance. Agencies and individuals are ineligible to win multiple Agent for the Future Awards in the same award category. Agencies and individuals are eligible to win in other categories in subsequent years. All other agency employees and independent contractors, and Sponsor employees and their respective parent companies, their respective subsidiaries and affiliated companies, distributors, advertising agencies and individuals engaged in the development, production, or distribution of materials for, or implementation of the CONTEST (collectively referred to herein as the “Contest Entities”), and the immediate family members (spouse, siblings, children and parents including foster and step-relations) or those living in their same household (whether or not related) as any person in any of the preceding categories are not eligible to win a prize.
AGREEMENT BY ENTRANTS: By entering the CONTEST, each Entrant fully and unconditionally agrees to be bound to and accepts these Official Rules, any CONTEST related communications from Sponsor including but not limited to any information provided on the CONTEST website(s) and/or any social media platform/mobile application as applicable (“Website/APP”), and the decisions of the Sponsor, other CONTEST Entities (and their authorized representatives) which are final and binding with respect to all matters pertaining to this CONTEST and all elements thereof.
CONTEST PERIOD: Starts on or about 12:01 a.m. Pacific Time (“PT”) on or about Sept. 5, 2025, and ends at 11:59 p.m. ET on October 24, 2025 (“CONTEST Period”).
HOW TO ENTER: During the CONTEST Period, an entry can be made at www.agentforthefuture.com and submit an Entry Form. Please make sure to complete
- Agency and Nominee information
- Describe the agency or individual and explain why this nominee deserves to be named an Agent for the Future
- Tell us how the agency or individual has demonstrated what makes them outstanding within the last year
- Tell us how the agency is planning to evolve over the next three years, or how the individual is hoping to evolve their agency
Once the award period is closed, entries will be reviewed for completeness and individual sections will be evaluated and given up to 15 points based on their degree of innovation, creativity, and impact on the agency and their clients. Mechanically reproduced, illegible, incomplete, software-generated or other automatic entries will be void. Entries that otherwise subvert the entry process will be void. All entries become the property of Sponsor and will not be acknowledged or returned.
By submitting an Entry, Entrants agree to be contacted by Sponsor and the information you provide will be used as stated herein, for purpose of a CONTEST, and as provided in Sponsor’s privacy policy. Entrants agree that their agency will be named as the award recipient and the agency will be required to collaborate with Sponsor to verify Entry and notify Winners.
SELECTION OF WINNERS: All Entrants will be evaluated by an independent panel of judges.
ENTRY REQUIREMENTS/LICENSE GRANT: Without limitation, any entry deemed by Sponsor, in its absolute discretion to be or contain content that is or may be construed as indecent, obscene, offensive, hateful, cruel, tortious, defamatory or that violates or infringes another’s rights, or disparages Sponsor (or its goods/services) or any other person or entity, or that does or appears to promote illegal, unlawful, dangerous, or harmful activities in any way will be disqualified. Sponsor reserves the right in its sole discretion to disqualify any entry/Entrant at any time in the event it is determined that the entry is in any (other) way offensive, inappropriate, not in the spirit of the CONTEST or not in keeping with Sponsor’s image, or will have a detrimental impact on Sponsor, this CONTEST, or any of Sponsor’s brands, products or services, or if it is determined that the Entrant has not otherwise complied with these Official Rules—these provisions are not exclusive, are drafted to be purposefully expansive, and will be construed broadly by Sponsor in its absolute discretion.
By submitting an entry, an Entrant represents, warrants and covenants (and agrees to release and indemnify CONTEST Entities from same) that their submitted entry (including but not limited to a caption and all content therein): (i) is the original creation of the Entrant, has not been copied in whole or in part from any other work, and is the sole and exclusive property of the Entrant (or Entrant has all ownership rights thereto); (ii) is specifically created for the applicable CONTEST and has not been published (in whole or in part), received an award or honorable mention, nor been shown online, or submitted in any other contest, competition, showing, or event previously; (iii) does not violate or infringe any copyright, trademark or other proprietary, publicity, privacy or any other rights of any person or entity; and (iv) any individuals who worked on or are mentioned in the entry in any manner have given entrant their express consent to submit the entry for the use contemplated (or if a minor, entrant has obtained consent of the minor’s parent or legal guardian). Entrant may be asked by Sponsor to provide evidence of the above in writing. Nothing herein shall be deemed an obligation of confidentiality.
At the time you submit an entry, and whether or not selected as a winner, you grant to Sponsor a non-exclusive, fully paid and royalty-free, transferable, sub-licensable, worldwide license to use the entry, in whole and in part, and all the intellectual and property rights therein including the right to make derivative works, through-out the world, and further agree to execute all documents and perform all acts deemed necessary by Sponsor to protect Sponsor’ license in the intellectual property. You understand and agree by granting this license your entry may be modified, edited, distorted, used in whole or in part, alone or in combination with other works, used in illusory or composite form, or in any other manner, as solely determined by Sponsor in any media and medium whatsoever now known or hereinafter developed (including without limitation print, broadcast, radio, digital, and online) without further compensation or review. You will not now nor in the future be paid for your entry or for granting Sponsor any of these rights.
Sponsor has the right to verify Entrants’ eligibility and compliance with these Official Rules and, on the basis of its investigation, to disqualify any Entrant at any time during or after a CONTEST Period and require immediate prize return if applicable. CONTEST Entities assume no responsibility for lost, incomplete, inaccurate, delayed, destroyed, damaged, or misdirected entries (e.g. misdirected as spam/junk), prize notifications, or any other information or communication (in whole or in part).
Proof that you submitted an entry does not constitute proof or evidence that it was received within the CONTEST Period or eligible for the CONTEST or any element thereof. Without limitation, entries must be complete, compliant, submitted using the activity and, if applicable, via the social media platform communicated, and received by Sponsor within the applicable CONTEST Period. Entries submitted via any other entry methods/platforms will not be accepted. Group or commercial submissions are not permissible. Normal internet access and device usage charges imposed by your mobile plan and/or online service may apply to entry via mobile device. For those entrants entering with a mobile device: CONTEST may not be available via all mobile carriers. Messaging & data rates apply to internet access via mobile devices. Other charges may apply; check your mobile plan for rates/details.
PRIZES: Six (6) Prizes will be awarded to six (6) winners. Prize: $5,000 cash or equivalent and a trophy. Approximate retail value of each Prize: $5,333. Approximate retail value of all Prizes: $32,000. Gift cards are subject to the terms and conditions of the issuer. Gift cards will not be replaced by Sponsor once delivered, or if lost, stolen, damaged or destroyed. No assignment, substitution, cash redemption or transfer of a Prize is permitted, except in the discretion of Sponsor, which reserves the right to substitute a Prize or Prize component of equal or greater value. The Prize consists only of the items expressly specified in these Official Rules; in no event will the CONTEST Entities be responsible or liable to award more than the stated Prizes as described. Prizes, and any element thereof, including any products received as a prize, may not be sold, resold, auctioned, bartered, or placed into any other channels of distribution. Any prize shown in advertising or CONTEST materials is for illustrative purposes only and may not be the actual prize awarded. The use of the name of any prize manufacturer, name or trademark in connection with any of the prizes is solely for the purpose of describing such prize and is not intended to suggest any affiliation or sponsorship.
WINNER NOTIFICATION: Potential winners will be notified by email within forty five (45) days after the end of the CONTEST Period and may be required to sign and return an Affidavit of Eligibility and Liability/Publicity Release (where legal) within ten (10) days of date of first notification attempt or the Prize will be forfeited and, at Sponsor’s discretion, an alternate winner will be selected. If a Prize notification is returned as undeliverable, or a potential Prize Winner is not in compliance with these Official Rules, the Prize will be forfeited and, at Sponsor’s discretion, an alternate winner selected. Prize awards are subject to compliance and verification of potential winners. If a potential Prize winner for any Prize cannot be confirmed by the third separate attempt, the Prize will be forfeited and will not be awarded. There will NOT be a second chance drawing; all un-awarded, unclaimed, ignored, returned or otherwise undelivered prize notifications or prizes will be forfeited and will not be (re)awarded.
TAXES: All federal, state, and local taxes on the value of the Prize, if applicable, are the responsibility of the winner. An IRS form 1099 will be issued in the winner’s name if required by law.
LIMITATIONS OF LIABILITY: BY PARTICIPATING, ENTRANTS AGREE TO THE FULLEST EXTENT PERMITTED BY LAW TO RELEASE, DISCHARGE AND HOLD HARMLESS THE SPONSOR AND OTHER CONTEST ENTITIES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, INDEPENDENT CONTRACTORS, REPRESENTATIVES, ASSIGNS AND AGENTS, AND, IF APPLICABLE – FACEBOOK, X, LINKEDIN, AND INSTAGRAM (“RELEASED PARTIES”) FROM AND AGAINST ANY AND ALL ALLEGED AND/OR ACTUAL CLAIMS, CAUSES OF ACTION, DEMANDS, LOSSES, SETTLEMENTS (WHETHER OR NOT LITIGATION OR OTHER LEGAL PROCEEDINGS ARE COMMENCED), LIABILITIES AND DAMAGES OF ANY KIND WHATSOEVER EXISTING NOW OR ARISING IN THE FUTURE (INCLUDING, WITHOUT LIMITATION, BODILY INJURY, PERSONAL INJURY, DEATH, DISABILITY AND PROPERTY DAMAGE, VIOLATION OF PROPRIETARY, PUBLICITY, PRIVACY OR ANY OTHER RIGHT), COSTS AND EXPENSES (INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS’ FEES, COURT COSTS, SETTLEMENT AND DISBURSEMENTS) DIRECTLY OR INDIRECTLY ARISING OUT OF USE OF THE ENTRY IN WHOLE OR IN PART, THE ACCEPTANCE, POSSESSION, USE, MISDIRECTION, OR MISUSE OF A PRIZE OR ANY ELEMENT THEREOF, PARTICIPATION IN THE CONTEST AND ANY ELEMENT THEREOF AND/OR PRIZE RELATED ACTIVITY, AND ACCESS/USE OF ALL WEBSITES/APPS, WHETHER OR NOT CAUSED BY THE NEGLIGENCE OF ONE OR MORE OF THE RELEASED PARTIES. To the fullest extent permitted by law, Entrants covenant not to sue any Released Party or cause them to be sued regarding any matter released in these Official Rules, and further covenant not to disaffirm, limit or rescind these releases. A waiver by one or more of the Released Parties of any term in these Official Rules does not constitute a waiver of any other provision.
IN NO EVENT WILL THE RELEASED PARTIES BE RESPONSIBLE OR LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THIS CONTEST AND ANY ELEMENT THEREOF, PARTICIPATION IN THE CONTEST AND/OR ANY PRIZE ACTIVITIES AND ANY ELEMENT THEREOF, THE ACCEPTANCE, POSSESSION, USE, MISDIRECTION OR MISUSE OF A PRIZE OR ANY ELEMENT THEREOF OR ANY RELATED ACTIVITIES, OR ACCESS TO AND USE OF ANY PARTICIPATING WEBSITE(S)/APPS OR THE DOWNLOADING FROM AND/OR PRINTING MATERIAL DOWNLOADED FROM SAID WEBSITE(S)/APPS. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTIAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU. WITHOUT LIMITING THE FOREGOING, ALL PRIZES AND EVERYTHING ON THE WEBSITE/APP IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
PUBLICITY RELEASE: By entering the CONTEST, submitting any materials and/or accepting a prize (where legally permitted), Entrants and winners hereby irrevocably consent, where lawful, to the use (but without obligation) by Sponsor (and their affiliated companies and their respective authorized representatives) of their name, image, photographs, videotape, likeness, hometown name, biographical information, voice as well as any statements made by winner regarding the CONTEST or Sponsor (provided they are true) for publicity, trade, advertising and CONTEST purposes in all media now known or hereafter developed worldwide, including but not limited to the Internet and mobile devices, without additional compensation, and without the right of review, notification or approval.
GENERAL CONDITIONS: Neither Sponsor nor any of the other CONTEST Entities are responsible for lost, interrupted or unavailable satellite, network, server, Internet Service Provider (ISP), Website/APP, or other connections availability, accessibility or traffic congestion, or miscommunications, or failed computer, network, telephone, satellite, cable hardware, software or lines, or technical failure, or jumbled, scrambled, delayed, or misdirected transmissions, or computer hardware or software malfunctions, failures or difficulties, incompatibility, failures or errors of any kind whether human, mechanical, electronic or network, or the incorrect or inaccurate capture of entry, winner or other information, nor for the failure to capture any such information. ANY ATTEMPT BY ANY PERSON TO TAMPER WITH, ABUSE OR DELIBERATELY DAMAGE THE WEBSITE/APP OR UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST IS IN VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES AGAINST AND FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING CRIMINAL PROSECUTION. Should any portion of the CONTEST be, in Sponsor’s sole opinion, compromised by virus, worms, bugs, non-authorized human intervention, technical failures or other causes which, in the sole opinion of the Sponsor, corrupt or impair the administration, security, fairness or proper play, or submission of entries, Sponsor reserves the right at its sole and absolute discretion to suspend, modify or terminate the CONTEST, or any element thereof, and select winners from eligible entries received prior to action taken, or as otherwise deemed fair and appropriate by Sponsor if at all. Sponsor is not responsible for any incorrect or inaccurate information, whether caused by site users, tampering, hacking, or by any equipment or programming associated with or utilized in the CONTEST. In the event of a dispute regarding entries received from multiple users having the same e-mail account, the authorized subscriber of the e-mail account used to enter at the time of entry will be deemed to be the entrant and must comply with these rules. The authorized account subscriber is the natural person who is assigned the e-mail address by the Internet Service Provider (ISP), online service provider, or other organization responsible for assigning e-mail addresses or phone numbers. If there still remains a dispute, Sponsor reserves the right to make eligibility determinations in its sole discretion. In the event of any discrepancy, ambiguity, inconsistency, printing or any other error or miscommunication in any advertising, CONTEST materials and/or any other information relating to this CONTEST (in any and all media and by any person/entity), these Official Rules shall govern.
FORCE MAJEURE: CONTEST Entities shall not be liable to Entrants, winners or any other person or entity for failure to fully execute the CONTEST or supply a prize, or any part thereof, by reason of any act of God, any action(s), regulation(s) order(s) or request(s) by any governmental or quasi-governmental entity (whether or not the action(s), regulation(s), order(s) or request(s) prove(s) to be invalid), disease, outbreak, epidemic, pandemic (i.e., U.S. Centers for Disease Control and Prevention, the comparable health authorities in the Prize jurisdiction and/or the World Health Organization issue travel alerts or warnings recommending against non-essential travel to the city where the Prize is located or from the attendees’ location), equipment failure, terrorist act, cyber-attack, earthquake, war, fire, flood, explosion, unusually severe weather, hurricane, embargo, labor dispute or strike (whether legal or illegal), labor or material shortage, transportation interruption of any kind, work slow-down, civil disturbance, insurrection, riot or any similar or dissimilar event beyond their reasonable control, or for reasons relating to Sponsor’s change in business strategy, at Sponsor’s sole discretion.
MISCELLANEOUS: The CONTEST is subject to applicable federal, state and municipal laws. The CONTEST and these Official Rules will be governed, construed and interpreted under the laws of the Commonwealth of Massachusetts. All disputes shall be resolved individually, and neither Entrant nor Sponsor may bring claims against each other as a class representative in a class action or as a class member. All disputes shall be resolved in the United States District Court for the District of Massachusetts sitting in Boston, Massachusetts.
PRIVACY POLICY: For information about how the Sponsor uses personal information collected in connection with this CONTEST, please see Sponsor’s privacy policy, located at www.libertymutual.com/privacy.
WINNERS LIST: To obtain a list of winners of prizes over $25, mail your request with a U.S. sufficiently self-addressed, stamped envelope to be received by 12/31/25 to: Liberty Mutual Insurance, 1001 4th Ave., 4th Floor, Seattle, WA 98154, Attn: Dale Steinke, Agent for the Future.