Community Facility Use

Gallagher has partnered with Atlantic Specialty Insurance Company, an A+ rated insurer, to provide a Tenant User Liability Insurance Program (TULIP). The TULIP provides special event liability insurance. It is used by institutions that permit “third parties” to use their facilities for specific events. It is designed for third party users who do not carry liability insurance and is offered at a low cost. TULIP protects both the third party and the institution against claims by individuals who may be injured or experience damage to property as a result of participating in an event.  

The Policy is event-specific and can also cover vendors, performers and exhibitors, if needed.  Events may range from low risk events such as classroom seminars, receptions or weddings to high risk events including festivals and fairs, sports events, or concerts. The policy does have exclusions for certain high-risk activates.  

The coverage includes:

General Liability

$1,000,000   Each Occurrence
$1,000,000   Personal & Advertising Injury
None     General Aggregate
$1,000,000   Products-Completed Operations Aggregate
$50,000   Damage to Premises Rented to You (excluded for events less than 7 consecutive days)
Excluded   Medical Expenses*
$0 Deductible

*Medical Payments are excluded as the insurance carrier will investigate all claims. This does not mean that medical payments will not be paid but the carrier will make that determination through its claims investigation.

Third Party Property Damage

$1,000,000       Limit

Liquor Liability

$1,000,000       Limit

Base pricing is determined by the type of event, total attendance & number of days.

The above coverage summary is meant to provide only a broad overview of the insurance package offered and the detailed terms and conditions should be considered carefully before purchasing. 

To see if your school administrators have made this Tenant Users Liability Insurance Program available to your group by enrolling in the School Community Insurance Programs (SCIP), please click here.

If your school administration has enrolled and you are ready to purchase the coverage package for your parent organization using a major credit card, debit card, or online check, please click here.

For questions, you may contact the SCIP team at: or 314-800-2231