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Tenant User Liability Insurance Program (TULIP)
  
What is a TULIP?
Requests to use local government properties and facilities by the public
have become a common occurrence. The TULIP is available to the user of
the facility, who under contract, permit or agreement, rents from the
owner and/or operator of the facility. Coverage is available for events
of the facility user – from antique shows, to musicals, to meetings, to
parades or festivals – a wide variety of special events. Coverage
applies during set-up, event and tear-down periods when the facilities
are rented and being used by the user, for short-term periods of time.
The policy applies to claims arising out of bodily injury liability,
property damage liability, personal and advertising injury liability,
and litigation cost to defend against such claims arising out of the use
of the owner’s premises by external facility users. Premium costs are
based on the nature of the event, duration of the event, the number of
participants, the level of risk of the event and any special
underwriting requirements.
Coverage and Limits – Non-Sports
Commercial General Liability Aggregate Limit
other than Products and Completed Operations |
$2,000,000 |
| Products and Completed Operations Aggregate
Limit |
$1,000,000 |
| Personal and Advertising Injury Limit |
$1,000,000 |
| Each Occurrence Limit |
$1,000,000 |
| Damage to Premises Rented to You Limit |
$300,000 |
| Deductible |
$0 |
Facility owners may
be added as Additional Insureds and Products Liability coverage is
provided for Food, Beverage and Souvenirs. Host Liquor Liability, Excess
Limits, Non-owned Auto Liability and Abuse/Molestation coverage(s) may
be available upon request.
Notable Exclusions
for the Liability: Employment Related Practices, Assault & Battery,
Pollution, Asbestos, Fungi, Bacteria, Nuclear Energy, Terrorism,
Fireworks, Amusement Devices, Abuse/Molestation, Athletic Participants,
Motor Sports, Rodeo or Equestrian activities, Bungee Jumping, Inverted
Aerial Maneuvers.
Hazards and Activities Covered – Non-Sports
Hazard Group I
Parties:
Birthday, Anniversary, Retirement, etc.
Festivals/Shows:
Art, Convention, Trade, Craft, Educational, Fashion, Home, Job
Fairs, Seminars, Vacation,Classical Concerts,
Antique, Automobile, Choral Competitions, Musicals, Flower Shows
Social Gatherings:
Association Meetings, Auctions, Dances (no heavy rock), Debutante
balls, Debuts, Graduation Parties (adult
attendance), Ladies Club, Lectures, Receptions, Reunions
Hazard Group II
Festivals/Shows:
Animal Shows, Boat Shows (dry dock and in water exposure), Boxing
Exhibitions, Casino Lounge Shows,
Consumer Shows, Cooking Demonstrations, Farm Markets, Fraternal
Conventions, Harvest Festivals, Haunted Houses – no mechanical
devices, Livestock Shows, Pageants, Parades, Picnics with or without
water exposures, Theatrical Stage
Social Gatherings:
Amusement Devices (not amusement parks), Animal Parks, Animal Rides,
Block Parties, Carnivals (without
mechanical rides), Circus (without mechanical rides), County
Festivals/Fairs, Political Dinners and/or Receptions (no
conventions), Proms, Street Fairs, Wedding Receptions
Music Concerts:
Jazz, Blues, Country
Coverage and Limits – Sports
| Program Limits - General
Liability |
Commercial General Liability Aggregate Limit
other than Products and Completed Operations |
$2,000,000 |
| Products and Completed Operations Aggregate
Limit |
$1,000,000 |
| Personal and Advertising Injury Limit |
$1,000,000 |
| Participant Liability Limit * |
$1,000,000 |
| Each Occurrence Limit |
$1,000,000 |
| Damage to Premises Rented to You Limit |
$300,000 |
| Deductible |
$0 |
| Program Limits - Accident
Medical |
| Medical Maximum Per Injur |
$25,000 |
| Deductible |
$100 |
| Accidental Death - Loss of Life |
$10,000 |
| Accidental Double Dismemberment |
$20,000 |
| Accidental Single Dismemberment |
$10,000 |
Coverage in Excess to other insurance, if no other coverage exists,
this coverage becomes Primary.
* Only included for sports events and all participants must be
covered by $25,000 Accident Medical coverage and waiver and release
document must be signed by all participants. This Program includes the
$25,000 Accident Medical coverage required. This program provides
Accident Medical Protection to all participants of the insured
activities. Coverage protects insureds while participating in the
insured activities, traveling to and from the insured participant
residence and location of the event.
Facility owners may be added as Additional Insureds and Products
Liability coverage is provided for Food, Beverage and Souvenirs. Host
Liquor Liability, Excess Limits, Non-owned Auto Liability and
Abuse/Molestation coverage(s) may be available upon request.
Notable Exclusions for the Liability: Employment Related Practices,
Assault & Battery, Pollution, Asbestos, Fungi, Bacteria, Nuclear Energy,
Terrorism, Fireworks, Amusement Devices, Abuse/Molestation, Motor
Sports, Rodeo or Equestrian activities, Bungee Jumping, Inverted Aerial
Maneuvers.
Hazards and Activities Covered – Sports
Hazard Group I - Aerobics, Archery, Badminton, Band Competitions,
Baton Twirling, Bowling, Cricket, Drill Team, Fencing, Golf, Ice
Skating, Marching Exhibitions, Pom Pom, Sailing, Squash, Swimming,
Tennis, Volleyball
Hazard Group II -
Baseball, Basketball, Cross Country, Dance, Field Hockey, Football - non
contact, Handball, Judo, Karate, Lacrosse, Martial Arts, Racquetball,
Rowing, Soccer, Softball, Track and Field, Ultimate Frisbee
Hazard Group III -
Boxing, Cheerleading, Diving, Football - Contact, Gymnastics, Ice
Hockey, Inline Hockey, Rifle/Skeet/Trap, Rugby, Skateboarding, Skiing,
Speed Skating, Weightlifting, Wrestling
Note: If your risk does not fall within the
Program Descriptions, your request will be forwarded to an
underwriter to determine what plans are available and you
will receive a proposal within 48 hours. Program
Descriptions are intended to be a summary of coverages and
limits available. It does not include all coverage details
and Exclusions. Please refer to the insurance policies for
complete details. If there is any conflict between this
brochure and the Policy, the Policy will prevail.
Underwritten by: Philadelphia Indemnity Insurance
Company A+ (Superior)
Financial Size Category: XIV ($1.5 Billion to $2 Billion)
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