*available to URMIA members only
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.
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:
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://tulip.ajgrms.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://tulip.ajgrms.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.
Tracy Paladino, CIC, CISR,| Account Manager
Contact Tracy if you are having difficulties with the web site or have questions about high risk activities or other program details.
URMIA TULIP Representative
January 26, 2012
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