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What is TULIP?
The TULIP is a Tenants’ and Users’ Liability Insurance Policy that provides special event liability coverage. It is used by institutions that permit “third parties” to use their facilities for specific events. It is designed for third party users who do not carry liability insurance and is offered at a low cost. It is event-specific and can also cover vendors, performers and exhibitors, if needed. It protects both the institution user (the third party) and the institution against claims by third parties who may be injured or experience damage to property as a result of participating in an event.
Events may range from low risk events such as classroom seminars, receptions or weddings to high risk events including festivals and fairs, sports events, or concerts. The policy has exclusions for certain high-risk activities. Facility users may need to obtain coverage from another insurer if their event does not qualify for the TULIP program.
TULIP can only be purchased when the event takes place in an institution-owned facility or property. It does not extend to other properties not owned by the member.
Basic Coverage includes: Limits of Liability
|Products-Completed Operations Aggregate||$1,000,000|
|Personal and Advertising Injury||$1,000,000|
|Each Occurrence||$1,000,000||Additional Limits may be purchased|
|Fire Damage Expense||$50,000||Any One Fire (exclude for events under 7 days)|
|Medical Payments Expense||Excluded*|
|Third Party Property Damage Limit||$1,000,000|
|Athletic or Sports Participants||Excluded|
|Abuse or Molestation||$250,000|
*Medical Payments are excluded as the insurance carrier will investigate all claims. This does not mean that medical payments will not be paid but the carrier will make that determination through its claims investigation.
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