University Risk Management and Insurance Association
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Red arrow Tenants' and Users' Liability Insurance Policy (TULIP)

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!

Liability coverage is administered by Arthur J. Gallagher Risk Management Services. Visit the URMIA/Gallagher TULIP website to subscribe your institution to the TULIP program or to give third party facility users access to coverage.

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

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.


Red arrow How Does It Work? Information for Institutions

Download the TULIP Guide: Information for Colleges and Universities.

Institutions who wish to participate must subscribe to the TULIP program via the URMIA/Gallagher TULIP website. Subscription is free of charge for URMIA members. The primary URMIA member is responsible for the institution's subscription. Once the institution has subscribed, the institution will be issued a Location ID / Invitation Code. Costs for the facility users are based on 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.


Red arrow How Do I Access Coverage? Information for Facility Users

Download the TULIP Facility User Guide.

  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. Go to the URMIA/Gallagher TULIP website. You will need to log in, select "Quick Quote," complete an application form, and pay by credit card for your coverage. For all low-risk events, which appear in the dropdown box, you should be able to complete your transaction in one web session. Costs are based on 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 the college or university facility confirming your transaction.

Red arrow Download Brochures for Your Campus

  • TULIP Facility User Guide: This guide provides facility users with step-by-step instructions to use the website and get coverage for their events. URMIA encourages you to share this document with third party users. Note that the document is two-sided; simply open the file, download, and print double-sided.
  • TULIP Guide: Information for Colleges and Universities: This guide helps colleges and universities understand the TULIP program, its benefits, and how to subscribe their institutions.


Red arrow Contact Us

Tenant User Department

Tracy Paladino
Arthur J. Gallagher Risk Management Services
6399 S. Fiddler's Green Circle, Suite 200
Greenwood Village, CO 80111
(303) 889-2614

Contact Tracy if you are having difficulties with the website or have questions about high risk activities or other program details. If Tracy is not available, please contact:

Jennifer Monteleone – (303)889-2590