Insurance
Frostburg State University Insurance Requirements
Frostburg State University requires all organizations/users who hold events, camps, or programs on campus for non-FSU events to be insured for liability. Users must provide evidence of such insurance to the Event Services Office 30 days before the event. This requirement can be satisfied by purchasing a general liability policy or providing a certificate of insurance.
If you need to Purchase General Liability Insurance
Frostburg State University is enrolled in the URMIA (University Risk Management and Insurance Association) TULIP program. TULIP was designed to provide low-cost general liability insurance to users of University facilities through an online purchasing process.
What Is the Cost?
Prices vary due to three factors: risk level, how many days the event is, and how many people will attend.
Additional lines of coverage may also be an added expense. The minimum price for a policy is $125. Average policy costs are between $150 and $400 per event.
How to Use the TULIP Program
- Go to the TULIP website (https://tulip.ajg.com). >Click on Quick Quote.
- Select the state and college/university where the event will take place.
- Complete the online form with details about your event.
- Pay for the coverage by credit card.
- Both you, as the event host, and the college/university will receive a copy of the event coverage certificate.
Basic Coverage Includes / Limits of Liability
| General Aggregate | None |
| Products/Completed Operations Aggregate | $1,000,000 |
| Personal Injury/Advertising Injury | $1,000,000 |
| Each Occurrence | $1,000,000 |
| Fire Damage Expense | $50,000 |
| Medical Payments Expense | Excluded |
| Third Party Property Damage Limit | $1,000,000 |
| Third Party Property Damage Deductible | $1,000 |
| Liquor Liability (additional cost) | $1,000,000 |
| Athletic or Sports Participants | Excluded |
About URMIA
TULIP is administered by Arthur J. Gallagher Risk Management Services for members of the University Risk Management & Insurance Association (URMIA). For more information, visit www.urmia.org or contact the URMIA Office at 812-727-7130 or urmia@urmia.orgnce or Have Questions?
Arthur J. Gallagher Risk Management Services
Phone: tel:8442266097844.226.6097
or tel:8003333231800.333.3231
Email: mailto:Denver.bsd.tulip@ajg.comDenver.bsd.tulip@ajg.com
URMIA Youth Camps Insurance Program
This youth sports and academic camp insurance program is designed to cover your camp, and the college or university venue where you are holding your camp, for liability insurance. In addition, your campers will be covered for medical bills related to accidents that happen at your camp with an Excess Accident Medical Policy.
The following camps are automatically approved in the URMIA Camp Program:
Academic Camps, Archery, Badminton, Baseball, Basketball, Cheerleading (without stunts), Cross Country, Dance, Fencing, Field Hockey, Flag Football, Non-Contact Football Conditioning, Golf, Handball, Hockey (Non-Checking), Lacrosse, Racquetball, Rowing, Squash, Soccer, Softball, Swimming (no diving), Tennis, Track and Field, Volleyball, Wrestling.
How to Apply for the URMIA Camps Insurance
- Go to the URIMA Camps Insurance website (https://ucamps.rpsins.com/). >Click on Buy Online
- Select the state and college/university where the event will take place.
- Answer the Camp Information questions.
- Complete the online form with details about your event.
- Pay for the coverage by credit card.
- Both you, as the event host, and the college/university will receive a copy of the event coverage certificate.
Sample Policy PDFs
These policies are written for URMIA. The information provided in this policy document is for informational purposes only and is not intended to constitute legal advice or a definitive statement of the terms and conditions of the insurance coverage. This document does not amend, extend, or alter the coverage afforded by the insurance policy. For specific advice regarding your insurance needs, please consult with a qualified insurance professional or contact RPS Bollinger directly.
Liability Coverage: Comprehensive General Liability, ISO form
| Per Occurrence Limit | $2,000,000 |
| Aggregate Limit of Liability | $3,000,000 |
| Participants’ Legal Liability Limit | Included |
| Sexual Abuse/Molestation Liability (Per Occurrence) | $1,000,000 (Separate Limit) |
| Sexual Abuse/Molestation Liability (Aggregate) | $2,000,000 (Separate Limit) |
| Products/Completed Operations Aggregate | $2,000,000 |
| Personal Injury/Advertising Injury | $2,000,000 |
| Damage to Premises | $300,000 |
| Medical Payments (to non-participants) | $5,000 |
| Liability Deductible | $0 |
| Defense costs outside the limits | |
| Optional Hired/Non-Owned Auto Liability CSL* | $1,000,000 |
