Promotional risk relates to the financial aspects of a promotional campaign that can generate significantly higher-than-expected results. These exceptional returns can occur when businesses greatly simplify the customer experience by offering payment plans and grouping relevant products in a single location. This can involve multi-product or multi-brand promotions, sometimes resulting in expenditures exceeding hundreds of euros. This risk can also arise when special events lead to customer refunds, such as a refund for a television if the national team wins the FIFA World Cup. To protect themselves against this risk, businesses can take out specific insurance.