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TULIP is a Tenants' and Users' Liability Insurance Policy, also known as "Events Coverage." It is used by institutions who permit "third parties" to use their facilities for specific events. It is not intended for institutions to shift any of their specific operational risks away from their own general liability policies. Rather, it protects both the "facility user" (e.g., event host or visiting organization) and the institution against claims by third parties who may be injured or lose property as a result of participating in an event.
Events may range from very low-risk events such as classroom seminars, receptions, or weddings to higher-risk events including festivals and fairs, sports events, or rock concerts. Costs for the facility users are based on the risk of the activity, the number of days of the activity, the number of participants, and if there are any special requirements, including alcohol liability, participant coverage, and so forth.