University Risk Management and Insurance Association
URMIA logo

Red arrow TULIP Program

Red arrow Introduction

TULIP LogoThe URMIA TULIP (Tenants and Users Liability Insurance Policy) is available FREE1 to all URMIA members who subscribe to it. Your institution must be an URMIA member to access this coverage, and TULIP only applies to institutions in the United States.

It is designed to provide low cost general liability insurance to third party users of your facilities. It is web-based for most transactions. URMIA has arranged to make this coverage available on behalf of its members in response to a large demand for the product. We are continuing to work to make it better for you, and welcome your participation and feedback!

BENE-MARCLiability Coverage is administered by Bene-Marc and Entertainment Brokers International (License #0773887). The pre-rated TULIP program is underwritten by Clarendon Insurance Company. Other coverage may be written by other underwriters.

1 There is no deposit premium required of URMIA members. All approved events will be charged premium with the completion of the coverage application.

See Legal Notices and Privacy.

Red arrow What is TULIP?

The TULIP is a Tenants' and Users' Liability Insurance Policy, also known as "Events Coverage." It is used by institutions who permit "third parties" to use their facilities for specific events. It is NOT intended for institutions to shift any of their specific operational risks away from their own General Liability Policies.

It protects both the Facility User and the Institution against claims by third parties who may be injured or lose property as a result of participating in an event.

Events may range from very low risk events such as classroom seminars, receptions, or weddings to higher risk events including festivals and fairs, sports events, or rock concerts.

Basic Coverage includes: Limits of Liability

Aggregate None  
Products-Completed Operations $1,000,000  
Personal and Advertising Injury $1,000,000  
Each Occurrence $1,000,000 Optional coverage available*
Fire Damage $50,000 Any one fire
Medical Payment excluded Optional coverage available*
Liquor Liability $1,000,000 Additional cost*
(may be required by Institution)
Athletic or Sports Participants excluded Optional coverage available*
Abuse or Molestation $50,000  

* may be required by institution

separation

Red arrow How does it work?

This is a web-based program. Institutions who wish to participate must subscribe. Subscription is free of charge. The primary URMIA member is responsible for the institution's subscription. Once the institution has subscribed, the institution will be issued two pass codes - one for Internal Users and one for External Users. Costs are based upon the risk of the activity, the number of days of the activity, the number of participants, and if there are any special requirements, including alcohol liability, participant coverage, etc.

External Users (third parties with no relation to the institution, and no institutional financial support) who need insurance will be directed to the Purchase Insurance website by the institution's events office. They will need to log in, complete an application form, and pay by credit card for their coverage. Upon completion of the transaction, they will receive via e-mail a copy of their application and a binder of coverage. The institution risk management office and the events office will each receive a copy of the application (describes the event) and a certificate of insurance. The events office is responsible for checking the application against the agreement for facilities use to verify that the correct information was provided.

Internal Users are typically student programs or events that involve a third party but which are "sponsored" by the institution. For example, the International Students' Union holds an International Food Fair, or the History Department sponsors the Civil War Historians Association's Annual Conference. There MUST be a third party user, vendor(s), or performer(s) to qualify. The institution should generally not be the policy holder, except to register events that are exclusively exhibitions, sales events, or performances that have no other third party organizer and to arrange for coverage for the exhibitors, vendors, and performers2 under the TULIP. The institution should already be insured for its operational general liability risks and may not transfer this to the TULIP. The institution or the Third Party will log on at the Purchase Insurance website, using the third party's name and the Internal User Code and complete an application. To complete the transaction, the institution may be able to select (depending on the parameters set by the risk management office) one of two payment options:

  1. pay with purchase (credit) card or
  2. bill to the Institutional account.

Upon completion of the transaction, the institution's risk management office and the events office will each receive a copy of the application (describes the event) and a certificate of insurance. The events office will also receive an invoice if the transaction is "bill to account." The events office is responsible for checking the application against the agreement for facilities use to verify that the correct information was provided.

For all events, the institution will be named as Additional Insured.

Low risk events will be automatically underwritten, and users should be able to complete their transaction in one web session if they pay by credit card or have authorization to bill to the institutional account. If they do not pay by credit card or bill to an account, their application will be held until payment is received.

High risk activities (those not listed in the drop down boxes) must have an application filed by fax. These events are individually underwritten. You must allow at least 10 days from the date your complete application is received for a quote. If your online or hard copy application is not complete, there may be additional delays.

2 At this time, programs that have exhibitors, vendors, or performers cannot be automatically underwritten. We are in the process of developing the web support for these activities.

separation

Red arrow How do I access coverage?

  1. The institution where you are having your event must be an URMIA Member Institution that has subscribed to the coverage.
  2. You must be an approved facilities user at the institution and be given a Pass Code by the events office or its equivalent.
  3. You must go to this Purchase Insurance website. You will need to log in, complete an application form, and pay by credit card for your coverage. For all low risk events (they appear in the drop down box), you should be able to complete your transaction in one web session. Costs are based upon the risk of the activity, the number of days of the activity, the number of participants, and if there are any special requirements, including alcohol liability, participant coverage, etc. Upon completion of the transaction, you will receive via e-mail a copy of the application and a binder of coverage. A copy will be sent to the appropriate offices at your institution confirming your transaction.
separation

Red arrow FAQ's

  1. I don't see my type of event in the drop down boxes. What should I do?

    You probably have what underwriters consider a "high risk event." Contact Marie Wiginton at Bene-Marc for assistance. Events that are not pre-rated have to be individually underwritten.

  2. My access code doesn't seem to be working. What should I do?

    Check it again with the institution. If there is an institutional problem, they will contact the program.

  3. What about events that are held next to the campus but not on property owned by the university?
    For example, the municipal center next to our campus uses our parking for overflow for events there. They want us to be responsible for arrangements with third parties using the parking.

    Say no. Arrange a contract with the municipality to cover losses arising out of events that they authorize, but make the responsibility theirs by extension.

  4. What about a private residence or other facility that is used for an alumni event?

    The Alumni Association is either insured as an operation of the institution or has its own insurance as an independent organization. In either case, it would have no need to access TULIP. The institution policy or association policy would issue a certificate. You cannot use TULIP to cover institutional risks.

  5. I would like to receive brochures that I can hand out to third parties. How do I do that?

    To request brochures to be sent to you, please fill out the form at this link, and we will send you the amount requested.

separation

Red arrow Coverages

Aggregate None  
Products - Completed Operations3 $1,000,000  
Personal and Advertising Injury $1,000,000  
Each Occurrence4 excluded Optional coverage available*
Fire Damage $50,000 Any one fire
Medical Payment excluded Optional coverage available*
Liquor Liability $1,000,000 Additional cost*
Athletic or Sports Participants excluded Optional coverage available*
Abuse or Molestation $50,000  

* (may be required by institution)

3 Products Liability coverage is limited to: clothing apparel, records, tapes, CDs, posters, badges, photos, stickers, food, and beverages

4 Property Damage to the institution

separation

Red arrow Exclusions/Excluded Activities

For a complete, current list of all exclusions, please contact Bene-Marc's TULIP program or click here for hazard class and exclusion lists (updated 4/3/09). The following activities are some that are specifically excluded:

  • Aircraft Events; Bicycle Races, Rallies, and Events; Boat Shows; Circuses; Events with Attendance of Over 5,000; Events with Prior Losses; Fireworks; Fraternity and Sorority Events; Haunted Houses; Laser Tag; Mechanical Amusement Devices, such as mechanical bulls; Overnight Camping and Retreats; Marathons/Walkathons; Political Rallies; Rodeo and Roping Events; Paint Ball; Pyrotechnics; Rummage Sales (other than for charities); Skateboarding; Swimming and Pool Facilities; Tractor Pulls; Water Events; Water Slides.

Other exclusions include, without limitation:

  • Standard ISO GL Policy exclusions;
  • losses, injury, or property damage caused by: non-performing animals, communicable diseases, property damage to premises rented for seven or fewer days (unless specifically purchased), athletic or sports participants, and employment related practices.
  • Other exclusions may apply.

separation

Red arrow Rate Schedules

separation

Red arrow Policies

separation

Red arrow Contact Us

Tenant User Department

Marie Wiginton
Bene-Marc, Inc.
6301 Southwest Blvd. Suite 101
Fort Worth, TX 76132
(800) 247-1734, ext. 308
mwiginton@bene-marc.com

Contact Marie if you are having difficulties with the website or have questions about high risk activities or other program details.