TULIP Has Bloomed

A new special events insurance program called TULIP (for Tenant Users Liability Insurance Program) will soon be available and will provide liability protection for any group or individual using a District facility or grounds who cannot meet our insurance requirements.

Why do we need this?
In today's litigious society, we face potential liability in claims and lawsuits resulting from the negligence of others. Our purchase orders, contracts, and facility use agreements all require that any external group or individual using a District facility provide us with evidence of certain insurance. TULIP will satisfy the liability portion of those insurance requirements for any group or individual who needs to submit proof of liability insurance to us.

Who must purchase this insurance?
Any group or individual using a District facility or grounds who cannot provide their own insurance that meets the District's requirements.

Who pays the premium and how is the payment processed?
The group or individual using our facility. The college TULIP representative will send a completed insurance application to our insurance broker and the District Risk Manager. After receiving a quotation or premium from our insurance broker, the college TULIP representative will collect the premium from the tenant/user and forward them to our insurance broker. All administration of the program including quoting of premium, collection of premium, and issuance of certificates of insurance will be handled by our insurance broker. The broker will not quote without an application, and they will not issue a certificate without payment.

What kinds of events should have this coverage?
Art shows, concerts, exhibits, dances, festivals, recreational events, sporting events, parades, and conventions. This is only a partial list though. Check with District Risk Management or your college TULIP representative for a complete list of eligible hazards/risks.

Are any activities/events excluded?
These are examples of activities that are not eligible for coverage and are excluded on the TULIP: balloon rides; bungee jumping; boxing wrestling, hockey, martial arts events; carnival rides; mechanical amusement rides or services; diving; pyrotechnics and explosives; heavy metal concerts are some activities not covered by TULIP. Check with District Risk Management or your college TULIP representative for the complete list of ineligible hazards/risks.

What will it cost?
Premium costs are determined by the nature of the event, the anticipated number of participants, and the number of days. While it is impossible to quote rates without detailed information about the event, premiums for this program are almost always considerably lower that any similar policy our tenants/users could buy on the open market.

How will the certificate of insurance be issued?
Our broker will send a copy of the certificate to the college TULIP representative and a copy will be sent to the District Risk Management office. The applicant (user) will receive the original certificate of insurance.

What if the event is not insurable under this coverage?
Premises users may be required to provide insurance coverage by alternate methods if an event is of a nature that the District's insurance broker cannot provide coverage through the established carrier or alternate means.

How can I get additional information?
Final implementation processes are currently being discussed with the college TULIP representatives. Details will be posted on the District Risk Management Web site.

Published in the Fall 2003 Edition of In Brief