CJPRMA TULIP

Tenants and Users Liability Insurance Program

Gales Creek Insurance Services

• Gales Creek Insurance Services has been a specialist in placing Special Event Insurance and Entertainment products for over 30 yrs.

• In addition to TULIPS, we handle single event policies, annual event policies, amateur sports teams and leagues, bands, athletic event, instructors, festivals, farmers markets, etc.

• Recently acquired by J D Fulwiler and Co Insurance

CJPRMA TULIP Team

• Special Events and Entertainment Risks– Program Manager ( all general inquiries)

• Brigitt Whitescarver  Events@galescreek.com– desk: 503‐977‐5648   cell 503‐380‐3645

– Support Specialist (website assistance, risk categories)  • Sara Mullikin Sara@galescreek.com

– Desk 503‐977‐5656

– Technician (certificate corrections, cancellations)• Quynh Le eventsupport@galescreek.com

What is a TULIP?

• Tenant and User Liability Insurance Program 

– Designed to provide short term liability insurance coverage for users of CJPRMA member city’s owned or managed buildings, parks, and various premises

– Policy is specifically designed to meet the contractual insurance requirements in the facility rental agreement 

– Tenant obtains coverage that is more affordable than purchasing a single special event policy

– Host Liquor protection automatically  included– Member city automatically named as Additional Insured and AI 

endorsement issued

How does the TULIP works

• City directs renter to website:– CJPRMA.org– GalesCreek.com / CLPRMA– BEST to add link to city’s website

• We furnish to any city» This avoids tenants getting lost on either of our websites

• Tenant registers and receives quote online• Tenant pays online  • Tenant receives certificate instantly• City receives copy of certificate instantly

How tenants use the online TULIP:What they do and see 

• Tenants proceed to the TULIP link and register to secure an account.

• Gales Creek site• CJPRMA site• Your site

CJPRMA link

Gales Creek 

City website: examples

City website: examples

City website: examples

How tenants use the online TULIP:What they do

• Register• Answer risk questions posed

– Drop down menu for eligible hazard classes, City, and facilities within the City

• Receive quote for eligible hazards• Pay with credit card only• Receive certificate instantly via download and email• City contact receives certificate via email

How tenants use the online TULIP:What they see

How tenants use the online TULIP:What they see‐ Create New Account or Login

Begin a quote

Choose a City

Choose location within selected City

City contact automatically selected

Enter attendance

Additional risk questions including alcoholIf alcohol is SOLD application will refer to underwriting

Final quote download

Purchase certificate review screenAdditional Insured information

Final certificate review

Pay and download cert

Certificate (sample)

Endorsement Form‐ AutomaticADDITIONAL INSURED – STATE

OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION – PERMITS

OR AUTHORIZATIONS RELATING TO PREMISES This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

State Or Governmental Agency Or Subdivision Or Political Subdivision:

Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II – Who Is An Insured is amended to

include as an additional insured any state or governmental agency or subdivision or political subdivision shown in the Schedule, subject to the following additional provision: This insurance applies only with respect to the following hazards for which the state or governmental agency or subdivision or political subdivision has issued a permit or authorization in connection with premises you own, rent or control and to which this insurance applies:

1. The existence, maintenance, repair, construction, erection or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoist away openings, sidewalk vaults, street banners or decorations and similar exposures; or

2. The construction, erection or removal of elevators; or

3. The ownership, maintenance or use of any elevators covered by this insurance.

However: 1. The insurance afforded to such additional

insured only applies to the extent permitted by law; and

2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured.

B. With respect to the insurance afforded to these additional insureds, the following is added to Section III – Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance:

1. Required by the contract or agreement; or 2. Available under the applicable Limits of

Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.

Risks outside of TULIP eligibility 

• The TULIP is designed for events under 5K in attendance under 10 days in length

• Policy is designed for attendee/spectator liability, not for athletic events

• Policy affords “host liquor” protection, NO COVERAGE for the sale of alcohol

Current Limits‐Fixed and unalterable 

• Limits:– $2,000,000 ‐ General Aggregate$1,000,000 ‐ Products / Completed Operations$1,000,000 ‐ Personal & Advertising Injury$1,000,000 ‐ Each Occurrence$100,000 ‐ Damage to premises rented to youEXCLUDED ‐ No‐Fault Medical Payments

• Carrier– Great Divide Insurance Company

• Admitted A+XV

Inclusions and Exclusions

• Included– Third Party Property Damage Coverage Included – Per Event Aggregate – Contractual Liability – The facility named as an additional insured at no extra cost– One additional AI available at no extra cost – Host liquor liability provided (those not in the business of serving and 

selling liquor) – Volunteers as additional insureds– Includes set‐up and take‐down (day before ‐ day after) 

Inclusions and Exclusions

• Notable Exclusions– Exclusions:Athletic participants, no‐fault medical payment, collapse of temporary structures, pyrotechnics & explosives, amusement devices (rides), employment related practices, throwing of objects, professional medical, rap/hip hop music, heavy metal, all night events, security operations, inflatable devices(e.g. bounce house, moon walk), libel/slander, vendor's liability, abuse and molestation.

If a risk does not fit the TULIP

• Generally MOST events can be placed on the TULIP‐ Some ineligible events are:– Events where the insured will SELL alcohol– BYOB Events– Rap/Hip Hop LIVE music– Events with inflatable devices (bounce house etc.)– Swimming in pools 

• When it can not be placed on the TULIP– Underwriter will receive a “flagged” risk– We will shop other insurers that will take risk– Offer admitted carrier rate to renter

Coming Soon

• Starr Companies– Admitted A+XV carrier

• Limits offered are $2M per occurrence vs. the $1M limit on existing TULIP

• Rates are approximately 5% more than current• Hazard classes similar to current carrier• Medical Payment coverage will be INCLUDED

• November Target effective date

Thank You

BRIGITT WHITESCARVER | PROGRAM MANAGERSPECIAL EVENTS & ENTERTAINMENT RISKS

GALES CREEK INSURANCE SERVICES

a division of JDFULWILER&CO.INSURANCE5727 SW MACADAM AVE | PO BOX 69508

PORTLAND, OR 97239P: 503.977.5648 / F: 503.977.5848

C: 503.380.3645TOLL FREE 800.755.1575

BRIGITT@GALESCREEK.COMWWW.GALESCREEK.COM

WWW.EVENTINSURANCENOW.COM