TULIP/Tenant User Liability Insurance

TULIP/Tenant User Liability Insurance  

Overview

Individuals and outside organizations may hold events at facilities provided they:

  • Obtain written permission from the facility in charge of the space they wish to use
  • Provide a Certificate of Insurance for liability coverage for the event


This insurance provides protection when you host activities that fall outside the scope of your General Liability Insurance or in instances where you do not currently carry General Liability Insurance. Event Liability Insurance provides liability coverage and legal defense for claims of negligence brought on the basis of mismanagement, improper security, failure to maintain equipment/fixtures, and more.

As you plan your event, it's essential that you make the appropriate insurance arrangements. Don't put it off; take care of the insurance now!

To get an online premium quote and apply for coverage, simply apply online by clicking the “Apply Now” button or download the pdf application. If you have questions or need more information, contact Mercer at 1-866-838-9536.

 

Please click on the ‘Hazard Class Chart’ button below to find the following:

  • The appropriate hazard class for your non-sport and/or sport event;
  • To determine any potentially necessary waiver requirements;
  • To determine possible requirements for Accident Medical insurance.

 

Hazard Class Chart

 

If your event is not listed, please either contact us at 1-866-838-9536, Monday – Friday, 8am-5pm (CT) or via email at plsdsteam.service@mercer.com or you may simply click on “Download Application” (to the right), complete the paper application and email it to us.

 

Please note, the Certificate of Insurance for which you are applying may be subject to additional approval requirements by the underwriting Insurance Company. Please be sure to submit your application at least 7 to 10 days prior to the event date in order to meet your organization’s event insurance needs. Submission of a completed application and/or premium payment is not a guarantee of coverage. Coverage is not in place for your event until Certificate of Insurance is provided.

During the renewal process and website update, you may not be able to access the online registration. If you need to obtain a Certificate of Insurance during this time, please download and complete the pdf application and email it to us at plsdsteam.service@mercer.com.

Apply for coverage!

Get an Online premium quote, pay and get your Certificate!

Highlights

Prior to the event you must deliver a Certificate of Insurance to the facility in charge of the space. The Certificate should be accompanied by a note listing the name of the event sponsor, the date of the event, and the location of the event (since some departments control multiple venues).

If you already have insurance coverage, please have your insurance company send the facility in charge of the space a Certificate of Insurance with the following specifications:

  • You or your company must be listed as the Insured.
  • The event sponsor must be listed as an Additional Insureds.
  • The Insurer/Producer name and contact information must be on the Certificate.
  • The policy start and end date must encompass the entire length of your event.
  • The policy must include General Liability coverage of at least $1,000,000.
  • If you are bringing a vehicle, the policy must include Automobile Liability coverage of at least $1,000,000.
  • If you are bringing employees, the policy must include evidence of Workers’ Compensation coverage.
  • The Certificate of Insurance must provide 30 days’ advance written notice for any modification, change, or cancellation of any component of the insurance coverage.


If you DO NOT have insurance coverage
 of your own, you may obtain coverage by filling out the online or paper (pdf) application provided on this website. Payment must be received prior to the event. A Certificate of Insurance will be issued upon receipt of payment. The Certificate of Insurance is your proof of coverage. Present it to the facility in charge of the space prior to the event.


Participants Legal Liability provides coverage for claims you are legally obligated to pay because of actions brought against you, the Named Insured, by players and/or other participant(s). Participant means any player, coach, manager, staff member, team worker, official, media personnel, cheerleader, or band member practicing for, or participating in, the sporting event. This means all of your team members and players and any participating non-members! Participant liability insurance, like all liability policies, would provide coverage to the injured party only if the tenant user were liable.


****Failure to comply with one, or both, of the following requirements will affect Participant Legal Liability in place for any event even if a Certificate of Insurance is provided.****

For sports participants, you must have Accident Medical coverage in force. Failure to purchase Accident Medical insurance will mean that Participants Legal Liability will be subject to a $10,000 deductible. For more information about Accident Medical coverage, please visit the Accident Medical page on this website.

You must also have a Waiver and Release form system that is regularly maintained or Participants Legal Liability will be subject to a $10,000 deductible. This system must secure and maintain properly executed Waiver and Release forms for all participants. For minor participants (under eighteen years of age) you must always secure and maintain properly executed Minor Waiver and Release forms signed by the parent or legal guardian.

 

Download an Application

  • Is coverage Available for Hired Performers or Vendors?

    If there will be a Vendor or Performer at your event, the insurance requirements differ based on whether or not the Vendor or Performer is also hosting/organizing the event.

     

    If you are a Vendor/Exhibitor or a Performer at a campus event, and you are not hosting/organizing the event, please select Entertainer/Performer or Exhibitor Vendor and complete the remaining application questions.

     

    If you are a Vendor/Exhibitor or a Performer AND you are hosting/organizing the event, please select Host/Organizer first and then indicate whether you are also an Entertainer/Performer or an Exhibitor/Vendor and answer the remaining application questions.

     

    Please click the TULIP Application Form button to the right to print an application; the online application should not be used at this time by Vendors, Exhibitors or Performers. Once completed and signed, please email the application to our service center at plsdsteam.service@mercer.com.

     

    Stand-alone coverage is also available for the following:

    • Entertainer/Performer Promoters
    • Vendor/Exhibitor Product Sales (food and non-food).

Claims Reporting

  • How to Report a TULIP Claim to Philadelphia Insurance Company

    1. Gather the Facts

      When reporting a notice of loss (injury, property damage to third parties, auto accidents, etc.; related to a registered event), please provide as much detail as possible. This should include, but not be limited to, Insured Name (Your University plus student organization/club name), Contact Name (student organization/club), Policy Number, Claimant Name, Claimant Contact Information, Date of Loss, Location of Loss, Cause of Loss, Your Policy or Reference Number, Initial Steps Taken to Mitigate the Loss, Type (s) and Description of Damage and Estimated Amount of Loss.

    2. Report
    3. Follow Up
    4. The claims customer service department will immediately process your first notice of loss and you will be contacted by your servicing representative.

Contacts

We're here to help! Please contact us in whatever manner is most convenient for you.


 Direct Phone
1-866-838-9536
 Hours
 M-F 8a-5p CST
 Fax
515-365-3005
 Email
plsdsteam.service@mercer.com
 Mailing Address
Program Administrator
Mercer Consumer
a service of Mercer Health & Benefits Administration LLC
PO Box 14521
Des Moines, IA 50306
 Street Address for Express Shipments
Program Administrator
Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398

Mercer's Role & Compensation