Insurance
What does Frostburg State University require?
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 about
URMIA’s services, visit www.urmia.org or contact the URMIA Office at 812-727-7130
or urmia@urmia.org.
Need Assistance or Have Questions?
Arthur J. Gallagher Risk Management Services
Phone: 844.226.6097 or 800.333.3231
Denver.bsd.tulip@ajg.com
