Tenant User : Sports

TULIP (Tenant User’s Liability Insurance Program) is a low cost insurance policy that protects both the facility user and the owner. The Norman-Spencer Agency TULIP policy 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 one off events or a series of small events (weekly meetings). 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.

Overview of Coverage

  • A+ XIII Carrier

Limits of Liability

  • Each occurrence - $1,000,000
  • Aggregate - $2,000,000
  • Personal/Advertising Injury - $1,000,000
  • Damage to Premises - $300,000
  • Med Pay - Excluded
  • Deductible - None

Excludes

  • Abuse/Molestation
  • Athletic participants for non sports events
  • Premises Med Pay

Includes

  • Host Liquor Liability (available)
  • Lessors (property owners) as Additional Insured
  • Products Liability provided for Food
  • Beverage and Souvenirs

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Sports Related TULIP

Coverage available for one off events such as sports tournaments, clinics or camps.

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 Injury - $25,000
  • Deductible - $100
  • Accidental Death – Loss of Life - $10,000
  • Accidental Double Dismemberment - $20,000
  • Accidental Single Dismemberment - $10,000
  • Coverage is Excess to other insurance. If no other coverage exists, this coverage becomes Primary.

*Only included for sports events. All participants must be covered by $25,000 Accident Medical coverage and the Adult or Minor (Youth) Athletic Waiver and Release Form 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 Manuevers.

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Note: Carriers, limits and coverage may vary by state. Coverage is not available in all states. Your request may 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.