TULIP Event Insurance
Protect your ministry from unexpected risks with the Tenants & Users Liability Insurance Program (TULIP) from Insurance Board.
What Is TULIP Insurance for Churches?
TULIP (Tenants & Users Liability Insurance Program) is a type of church event insurance that provides liability coverage for the church as well as outside groups or vendors using church property for a temporary or recurring event. Churches often require insurance coverage as part of their church facility rental insurance requirements to help reduce liability risks associated with non-church activities.
The policy is purchased by the event organizer or renter. Unlike standard event insurance, TULIP is specifically designed for events held on church property and helps satisfy church vendor insurance requirements. Overall, this specialized coverage helps create a clearer separation of risk, making it easier for churches to host third-party events with greater confidence.
Affordable Liability Coverage for Third Parties
A TULIP policy lets the third party renting your church obtain low-cost general liability coverage that protects both your church and the outside group from claims tied to their use of the premises.
One-Time Event Coverage
One-time coverage works as special event insurance for churches, covering parties, banquets, baptisms, dances, fundraisers, and more so organizers, participants, and your church can host these events without worrying about potential liabilities.
Recurring Event Coverage
Recurring coverage works as church facility rental insurance, with ongoing protection for meetings, sewing groups, Bible studies, and other regular gatherings hosted by a third party, including events with vendors. This keeps liability coverage continuous for the full duration of those gatherings.
Explore Church Safety Resources
Safety Central is your go-to hub for church safety resources and guidance, offering a comprehensive range of tools to assist your ministry in avoiding potential loss.
Preventing Slips / Trips / Falls
Security and Crime
Building & Grounds
Activity & Event Planning
Fire Prevention
Search our extensive loss control article library:
Frequently Asked Questions
Does TULIP event insurance apply to all third-party events and activities?
TULIP insurance does not apply to certain events and activities, such as, but not limited to:
- Carnival Rides
- Day Care Operations
- Events involving athletics **
- Events involving ‘BYOB’ (Bring your own booze/bottle)
- Events in or on water
- Events involving hip-hop, rap, and/or alternative music
- Events involving recreational vehicles
- Events organized or operated by professional promoters/performers
- Events with more than 1,000 in attendance **
- Events more than 9 consecutive days **
- Fireworks and firework displays
- Gun/Knife Shows
- Haunted attractions and/or mazes
- Historical Battle Reenactments
- Parades **
- Rides, mechanical amusement devices, inflatable recreational devices, dunk tanks, and bungee operations/equipment **
- Rodeos including but not limited to Bull Riding, Bronco Riding, Roping Activities, Barrel Racing, etc.
** Unless specifically underwritten and approved.
Coverage is subject to approval by Philadelphia Insurance Group.
It protects our church and the user, and it is accomplished in a simple, supporting way.
TULIP, for varied scenarios, protects churches. I believe in testing and using the services with which you are involved. It’s a good test to see if we “walk the talk.” Based on our church’s work, as validated by our church’s office staff, I recommend using TULIP without reservation.
Submit Your TULIP Application
Third-party individuals and groups planning events on church premises can fill out a TULIP insurance application to begin the process of obtaining liability coverage.