Tenants' and Users' Liability Insurance Policy (TULIP)

What Is TULIP?

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. Rather, it protects both the "facility user" (e.g., event host or visiting organization) 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. 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, and so forth.

How Do I Buy Coverage? (Facility Users)

  1. Download the TULIP Facility User Guide.
  2. Contact the events office or its equivalent at the institution where you are having your event.
    • Confirm the institution is an URMIA member that has subscribed to the coverage.
    • Request an Invitation Code.
  3. Log in to the URMIA/Gallagher TULIP website. Select "Quick Quote," complete an application form, and pay by credit card for your coverage. 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 institution confirming your transaction.
  4. For more information or questions, contact Arthur J. Gallagher Risk Management Services.

How Can My Institution Offer Coverage?

Institutions join URMIA and then sign up for TULIP. Subscription in the TULIP program is only available to URMIA members and is free of charge. Once subscribed, your institution will be able to offer special events coverage to your third-party facility users. This coverage is limited to institutions in the United States and is administered by Arthur J. Gallagher Risk Management Services.