Tenant User Liability Insurance Program

Minnesota cities often allow individuals and groups to use or rent municipal-owned facilities. Sometimes, though, the city and event organizer may be sued if someone is injured at the event. Regardless of the merit, these claims can be time consuming and costly.

To help cities avoid these situations, LMCIT offers a program called TULIP—the Tenant User Liability Program.

The program helps individuals and groups—called tenant users—protect themselves and their guests at events held at city-owned facilities. Minnesota cities automatically are eligible to offer TULIP to tenant users, at no cost to the city.

How it works
Tenant users purchase coverage online from OneBeacon Entertainment.

The tenant user clicks on the "Purchase or Quote" link on the right-hand side of the screen, then enters the venue code. Codes can be searched for by entering in the search box the name of the city in which the event will be held. The state and city can then be selected from the drop-down list (this information will be preceded by National League of Cities). The tenant user then enters event information into the secure web site and an instant quote is generated. Coverage can be purchased online with a credit card.

The cost for TULIP is based upon the type of event, number of people attending, event length, and several other factors.

A certificate of insurance then is sent to the tenant user as well as to the city listing them as an additional insured.

Covered events
TULIP provides private individuals and groups with $1 million in liability coverage for special events held at city facilities, such as:

  • Weddings
  • Festivals
  • Job fairs
  • Concerts
  • Club events and meetings
  • Arts and crafts fairs
  • Reunions

Liquor liability coverage also is available through TULIP.

City role
The city’s role is simple. When an individual or group asks to use or rent a city facility, city staff:

  • Shares that inexpensive liability insurance can be purchased online through TULIP.
  • Provides the tenant user a copy of the TULIP flyer, which includes instructions on how to purchase event insurance.
  • Encourages the tenant user to visit the TULIP website to complete a brief application and purchase event insurance.

After a tenant user purchases coverage, a copy of the certificate of insurance is emailed to the tenant user. A copy of the certificate also is sent to the city contact. And, the city is automatically named as an additional insured.

Cities do not have to promote the TULIP program, or require tenant users to purchase TULIP. That’s a local decision. The only way a tenant user will know about TULIP is if the city chooses to share the information—either as an option for tenant users or as a mandatory component of using a municipal facility.

Model
LMCIT Model Community Center Rental Documents (pdf)

TULIP Program Information
Download TULIP flyer for tenant users (pdf)
Insurance Issues for Use of City Facilities (pdf)

Resources for City Special Events
Alcohol In The City: Liability And Insurance Issues (pdf)
Special Events Loss Control Guidelines (pdf)
Liability Coverage for Special Events (pdf)
LMCIT Liquor Liability Coverage (pdf)

Visit the TULIP website