Overview

Application for Coverage (TULIP)

Premium Rates and Hazard/Risk Classification

Do you — or does anyone else in your department — authorize or arrange for the use of University facilities by non-University groups or individuals? If so, are you aware that the University requires each organizer/organization using University facilities to provide a Certificate evidencing current insurance coverage and to include Lehigh University as an Additional Insured with respect to the specified date and activity?

Currently, those individuals/organizations having inadequate or no coverage are either denied the use of University facilities, or the insurance requirement is waived if the risk of liability exposure is minimal. If the coverage requirement is waived, the University’s exposure to potential liability claims resulting from a non-University group’s activities is increased.

To minimize this liability exposure and to accommodate the insurance needs of non-Lehigh event organizers, we have arranged with the University’s liability insurance broker to provide insurance coverage which meets University requirements at very reasonable premium rates. Click here for an Overview of the Special Event/Activity Liability Insurance coverage. By completing the brief application form and submitting it, along with the appropriate premium payment directly to the Risk Management Office, non-University organizers can purchase the necessary coverage. (Note: To determine the premium cost for an event being scheduled, click here for Premium Rates and Hazard/Risk Classifications.)

Please ensure that the University’s insurance requirements are communicated to all event organizers and the insurance requirement “language” incorporated into all written agreements/ contracts. If you are confronted with or planning an event which may pose unusual liability exposure or extraordinary risk, contact the Risk Management office (x83899) to discuss appropriate loss prevention/control measures and the potential need for additional insurance coverage.

OVERVIEW OF SPECIAL EVENT/ACTIVITY LIABILITY INSURANCE COVERAGE (TULIP) 

Special events insurance is liability protection for organizations that host activities which are not included in the University’s insurance program. This program provides liability coverage and legal defense for claims of negligence brought on the grounds of mismanagement, improper security, misleading representations, or failure of equipment/fixtures, to name but a few.

In today’s litigious society, event organizers face potential liability suits from spectators, contractors, and customers. Even if a suit is unjustified, the cost of defense can be significant.

Any group or individual organizing an event on campus which may pose a liability risk should consider this program. In addition, this program may also be used by University affiliated organizations for events held off campus.

Premium costs are determined based on the nature of the event, the anticipated number of participants and the number of days. While it is impossible to quote rates without detailed information about the event, we can say that premiums for this program are almost always considerably lower than any similar policy you could buy on the open market.

This policy indemnifies the insured (the lessee) for all necessary legal costs to defend against suits brought against their organization, barring any policy exclusions. Also, any judgment against the insured will be paid up to the selected limit of liability of the policy.

Art Shows
Banquets
Business Meetings
Birthday Parties
Classical Music Concerts – Indoors
Jam and Jazz Concerts – Indoors
Concerts – not otherwise classified above
Lectures
Luncheons
Seminars
Wedding Receptions
Festivals and Cultural Events
Theatrical State Performances
Any other event that may pose a liability threat - Risk Management can advise you on this

Complete the Application Form.

PREMIUM RATES AND HAZARD/RISK CLASSIFICATION 

Notes:

• Above rates are per day premiums for events lasting 1 to 4 days. For events lasting 5 or more days or if additional insurance is required for Exhibitors or Concessionaires, contact Risk Management for appropriate rate(s).
• Above rates include a 3% additional premium for terrorism coverage.
• For events not classified, application must be submitted to the insurer for approval at least five to seven days prior to event date.

Schedule of Hazard/Risk Classifications

Anniversary Parties
Antique Shows
Art Festivals
Art Shows
Auctions
Auto Shows – Auto Static Only
Award Presentations
Baby Showers
Ballets or Other Classical Dance Shows
Balloon Artists
Banquets
Baptism
Bar Mitzvahs / Bat Mitzvahs
Bazaars
Beauty Pageants
Belly Dancer
Birthday Parties
Boat Shows (Dry Dock Only)
Body Building Contests
Book Signings
Bridal Showers
Business Meetings & Business Shows
Business Parties
Camera Shows
Card Shows
Caricature Sketching
Carolers
Cartoonist
Casino Nights
Chamber of Commerce Events
Charity Benefits / Dances / Auctions / Sales
Choirs - Indoor
Church Services or Meetings
Civic Clubs Meetings
Classic Dance Shows
Computer Shows
Concerts – Celtic Music
Concerts – Chamber Music
Concerts – Classical Music – Indoors
Concerts – Holiday Music
Concerts -- Instrumental
Consumer Shows
Conventions -- Indoors
Craft Shows
Dance Competitions
Dance Recitals
Debutante Balls
Debuts
Drill Team Exhibitions
Educational Exhibitions
Electronic Conventions
Face Painters
Fashion Shows
Flower and Garden Shows
Fund Raising Dinner
Funeral Service
Graduations
Harvest Festival (no farm implements / equipment)
Holiday Events & Parties / Gift Exchanges
Home Shows
Jam and Jazz Concerts – Indoor
Jewelry Maker
Job Fair – Indoor
Ladies Club Events
Lectures
Luncheons
Meetings – Indoor
Mime
Mobile Home Shows
Pageants
Poet
Poetry Reading
Professional and Amateur Association Meetings
Puppeteer
Quinceanera
Reunions – Indoor
RV Shows
Recital
Reunions
Scouting Jamborees (no overnight camping)
Séances
Seminars
Social Receptions
Speaking Engagements
Store Openings
Story Tellers
Symphony Concerts
Teleconferences
Telethons
Trade Shows – Indoor
Vacation Shows
Ventriloquist
Voter Registration
Weddings & Wedding Receptions
Yodeler

Bingo Games
Card Games – Blackjack
Card Games – Poker
Carnivals – School Events with no Mechanical Rides
Chess Tournaments
Choirs – Outdoor
Christmas Tree Lighting
Clowns – No Motorized Vehicles
Comedian
Concerts – 50s, 60s, 70s, 80s
Concerts – Blues Music
Concerts – Classical Music – Outdoor
Concerts – Country Music
Concerts – Folk Music
Concerts – Funk Music
Concerts – Motown
Concerts – Soul Music
Dog, Cat, Bird & Other Domestic Animal Shows/Events
Easter Egg Hunt
Festival and Cultural Events – Indoor
Fishing Events
Golf Events – Non-Professional
Impersonators – Celebrity or Holiday Character
Impressionist
Jam and Jazz Concerts – Outdoor
Job Fairs – Outdoor
Jugglers – No Pyro
Magician
Mariachi Band
Math Tournament
Meetings – Indoor
Menorah Lighting
Picnics (at grounds with no pools or lakes)
Reunions – Outdoor
School Band Competition / Events
Soap Box Derby
Social Receptions
Trade Shows – Outdoor
Union Meetings
Video Game Contests

Aerobics & Jazzercise Classes or Events
Amateur Rodeo & Roping Events
Baseball - Amateur
Basketball -- Amateur
Bicycle Rallies (no Racing / Off-Road)
Block Parties / Street Closures/ Street Fairs – under 5,000 Spectators
Bowling Tournament
Boxing, Wrestling, Hockey, and Football Games – Amateur
Casino and Lounge Shows
Cheerleading Events / Competitions – No Pyramids
Comedy Shows
Company or Corporate Retreats
Concerts – Pop Cover Bands
Cornfield Mazes
Country Western Events - No Rodeos or Rides
County Festivals & Fairs – No Rides
Festivals and Cultural Events – Outdoor
Film Screening
Film Showings
Golf Tournament – Daytime
Grad Night
Gymnastic Competitions – Spectators Only
Halloween Costume Contests
Ice Skating Shows
Junior Athletic Games
Karate Meets
Lacrosse
Laser Tag -- Indoor
Livestock Shows
Magic Shows
Marathons – Walking/Running
Mobile Home / RV Shows – Professionally Managed
Movie Release Party
New Year’s Eve Party – Private by Invitation Only
Old Timer Events
Parades -- under 5,000 spectators
Play Reading
Plays
Pool and/or Billiards Tournament
Proms
Rugby
Soccer
Softball -- Amateur
Sporting Events -- Indoor -- Non-Professional
Talent Shows – No Rap, Hip-Hop, Heavy Metal Shows
Tap Dancing
Tennis Tournament
Theatrical Stage Performances
Volleyball Events
Wagon / Hayrides
Walking / Hiking Tour
Wine Tasting

Aircraft and Balloon Events
Animal Acts and Shows
Any event with a daily attendance over 5,000
Any risk with prior losses
Anything no otherwise classified in Classes I, II or III
Armed private security used at an event
Block Parties/Street Closures/Street Fairs
Boat Shows
Carnivals
Circus and Carnivals - non-domesticated animals
Concerts - not otherwise classified in Classes I, II or III
Evangelistic Meetings
Exhibitions
Film Productions
Gun and Knife Shows
Marathons - walking, running, etc.
Mechanical Amusement Devices
Mobile Home Shows
Motorized Sporting Events
Overnight Camping
Professional Sporting Activities Promoters
Pyrotechnics
Rap and/or Heavy Metal
Rodeos and Roping Events - non-professional, spectator liability only
Rummage Sales
RV Shows
Sidewalk Sales
Ski Events
Swap Meets, Swimming, Swimming Pool Facilities
Water Activities/Events
Tractor Trailer Pulls