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Welcome

The URMIA TULIP (Tenants and Users Liability Insurance Policy) is available FREE^* to all URMIA members who subscribe to it. Your Institution must be an URMIA member to access this coverage.

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

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, as the insurance markets for this coverage have contracted severely post 9/11.

This is a new product, exclusively for URMIA members. We are continuing to work to make it better for you, and welcome your participation and feedback!

LEGAL NOTICES:

Insurance is valid in the United States only. No coverage is provided by this policy unless an online application has been submitted and a premium has been paid. No coverage is provided for Liquor Liability, Sexual Abuse/Molestation, or Excess Coverage unless the submitted application includes an additional premium payment. No coverage is provided by this policy for paid professional entertainment or talent unless specifically endorsed hereon. This insurance does not apply to "bodily injury" or "personal injury" or death of any person while rehearsing or practicing for, participating in, or traveling to and from any contest or exhibition of an athletic, dance or sports nature. Coverage may be offered by or placed through more than one insurance carrier.

URMIA is acting only as a buyer or advertiser of certain coverages on behalf of its members and not as a broker or agent to, or as any insurance company.

In the event of any conflict between any information presented on this web site as a description of services or products and the Master Policy, the Master Policy will control. This information is posted for the convenience of URMIA members only, and not intended as a complete summary of the policy terms and conditions.

Issuance of the Insurance Binder and/or the Certificate of Insurance does not guarantee a TULIP User use of the Institution’s facilities. The Institution must approve all use of their campus facilities prior to the purchase of insurance.

Refund Policy: Refunds for cancellations other than rain only if notification is given to Bene-Marc, Inc. in writing one full business day (24 hours) before the date of the insured event. Rain cancellations must be reported to Bene-Marc within 24 hours.

Privacy

WHAT IS THE 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 camps, sports events or rock concerts.

Basic Coverage includes:
Limits of Liability

HOW DOES IT WORK?

This is a web based program. Institutions who wish to participate must subscribe. Subscription is free of charge. The key URMIA representative is responsible for the Institutions’ subscription. Once the Institution has subscribed, the Institution will be issued two Pass Codes – one for Internal Users, 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 Web site http://urmia.bene-marc.com by the 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 performers* 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 web site http://urmia.bene-marc.com, 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 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.

*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.

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 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 on line or hard copy application is not complete, there may be additional delays.

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 Planning Office, or its equivalent.
3. You must go to the Web site: http://urmia.bene-marc.com. 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 their application and a binder of coverage. A copy will be sent to the appropriate offices at the Institution confirming your transaction.

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 Sharon Mastbrook 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 the TULIP. The Institution policy or Association policy would issue a certificate. You cannot use the TULIP to cover institutional risks.

Coverages / Exclusions

CONTACT US

TULIP Manager:

Sharon Mastbrook
Bene-Marc, Inc.
6301 Southwest Blvd. Suite 101
Fort Worth, TX 76132
(800) 247-1734
Smastbrook@bene-marc.com

Contact Sharon if you are having difficulties with the web site or have questions about high risk activities or other program details. If Sharon is not available, contact Joan Campbell at Bene-Marc at the number above or at jcampbell@bene-marc.com

URMIA TULIP Representative

Elizabeth J. Carmichael
Risk Manager, Five Colleges Incorporated
Mount Holyoke College
50 College Street
South Hadley, MA 01075-6404
Tel: 413-538-2731
Fax: 413-538-3031
ecarmich@mtholyoke.edu