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Policy Overview/ Areas of Coverage
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TULIP - Tenant User Liability Insurance

What is TULIP?

The TULIP is a Tenant-user Liability Insurance Policy also known as "Events Coverage".  It is designed to provide insurance coverage for third parties who are using Winthrop University Facilities.  It protects both the Facility User and Winthrop University against claims by third parties who may be injured or lose property as a result of participating in an event. It is event specific, and can also cover vendors, performers, and exhibitors, if needed.

How does the program work?

The tenant-user accesses the web site with Winthrop University's unique pass code (31252564 to be used by external and internal uses)  and provide the necessary information about the event that is being held.  The transaction is concluded with payment by credit card by the tenant-user.

Upon completion of the transaction, copies of the application and certificate coverage are e-mailed to the tenant user, Winthrop University's Risk Management Office and the events planning office.

What coverage's and limits are available?

  • The basic policy provides general liability coverage with a $1,000,000 limit. Host liquor liability automatically included for service only.
  • Additional limits up to $5,000,000 are available.
  • Host liquor liability for alcohol sales.
  • Excess Accident Medical is available in increments of $2,500, $5,000 and $10,000 with deductibles of $0 or $100.
  • Property damage the institution is an extra coverage, available in limits of $25,000, $50,000 or $100,000. The deductible is $250 per claim.

For more details visit The TULIP website at and go to Tulip/Event Class Tables/Pricing.

What kinds of events dose the program cover?

Class I events are low-risk, and include weddings, receptions, classical music recitals or dance shows, art shows, meetings, socials, etc.

Class II events are considered slightly higher risk, and include political rally's, several outdoor events, soap box derbies and union meetings.

Class III events are the highest category of events that can be automatically covered without underwriter oversight, and include some sports events, small parades, and theatrical stage performances.

Class IV events must be referred to the underwriter.

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