Tenants’ and Users’ Liability Insurance
Tenant User Liability Insurance Policy (TULIP)
Insurer: Atlantic Specialty Insurance Co.
Broker: Arthur J. Gallagher
Coverage: Spectator/Attendee Liability
This insurance is designed to cover lessees and vendors (tenants) who use University space but would not be covered under the UT’s liability program because they fall outside of the scope of the University and do not carry their own liability insurance. It is event-specific and can also cover vendors, performers and exhibitors, if needed. It protects both the institution user (the third party) and the University of Tennessee against claims by third parties who may be injured or experience damage to property as a result of participating in an event.
Per Event Limits:
$1,000,000 Products/Completed Operations Aggregate
$1,000,000 Each Occurrence
$1,000,000 Personal Injury/Advertising Injury
$ 50,000 Fire damage Limit (excludes events less than 7 days)
$1,000,000 Each Common Cause
$1,000,000 Third Party Property Damage
Excluded Medical Payment Expense
None – General Liability
$1,000 – Property Damage
Arthur J. Gallagher Contact Information:
Telephone: 844-226-6097 Email: Denver.firstname.lastname@example.org
Procedures for Binding Coverage
- Go to https://tulip.ajgrms.com
- Select the Quick Quote tab.
- Pick Tennessee in the drop down menu.
- Select the University of Tennessee as the location.
- Answer questions about the date, attendees, event types, and coverage options.
- Review Premium Quote and then purchase the coverage.
Premiums are determined based on hazard classes. Examples of events for each hazard class are:
|Hazard Class I||Hazard Class II||Hazard Class III|
|• Auctions||• Bingo||• Aerobics and Jazzercise Classes|
|• Art Festivals||• Chess Tournaments||• Cheeleading Events/Competition (no pyramids)|
|• Award Presentations||• Carnivals (school events with no mechanical rides)||• Festival and Cultural Events|
|• Banquets||• Concerts (specific types)||• Film Showings and Screenings|
|• Business Meetings||• Festival and Cultural Events (indoor)||• Livestock Shows|
|• Church Services and Meetings||• Certain Outdoor events, including Choirs, Jazz and Jam Concerts, Job Fairs, Meetings and Trade Shows||• Plays|
|• Civic Clubs and Meetings||• Proms|
|• Craft Shows||• Theatrical Stage Performances|
|• Graduation||• Volleyball (amateur)|
|• Harvest Festivals|
|• Lextures and Meetings (indoor)|
|• Voter Registration|
|• Wedding and Receptions|
* For high-risk activities, please contact Arthur J. Gallagher Risk Management Services directly to discuss other alternatives.
TULIP Ineligible Hazards and Activities
|• Animal Acts and Shows||• Heads of State Events|
|• Balloon Rides||• Instructional Classes (driver education, flying, or health-related)|
|• Base Jumping||• Mechanical Amusement Rides or Services|
|• Bounce Houses (Inflatables)||• Motorized Sporting Events|
|• Boxing, Wrestling, Hockey, Contact Karate, or Martial Arts Events||• Political Rallies|
|• Cicuses||• Power Boat Racing|
|• Carnival Rides||• Pyrotchnics and Explosives|
|• Concerts Not Classified under Hazard Class II and III||• Rodeo and/or Roping Events (includes practice)|
|• Film Production||• Renaissance Fairs/Festivals|
|• Fireworks||• Slam Dancing|
|• Fraternity Events||• Sorority Events|
|• Gun and Knife Shows||• Swap Meets/Flea Markets|
|• Halloween Haunted Houses|
To report a claim, please contact the following:
Entertainment Brokers International
1100 Glendon Avenue,
Los Angeles, CA 90024
You may also report a claim using their website. Log onto http://www.onebeaconentertainment.com and select Claims. This will take you to their loss forms section, where you can select the General Liability loss type. This form can then be printed and faxed, or saved and e-mailed, along with any additional information, to OBEemail@example.com.