Insurance

Application to University Campus Life Programs

Because University Campus Life Programs have status as University of Minnesota entities, the University’s liability insurance coverage will cover all programs and activities conducted by CLPs.

Application to Registered Student Organizations On-Campus Activities

1. General liability insurance

The University of Minnesota purchases a policy of general liability insurance coverage that provides coverage to the University’s Registered Student Organizations (RSOs) for most of their on-campus activities. Except for the activities identified below as Exclusions, this policy provides coverage for RSO meetings and events on campus, whether held in the student unions, outdoor spaces on campus, or any other University campus facility. This coverage is paid by the University and does not require additional payment by RSOs for coverage. Typical types of registered student organization activities included in this coverage are:

• Group meetings and events
• RSO sponsored concerts attended by University students (no public advertising)
• All RSO meetings and events within student union facilities (Coffman Memorial Union, St. Paul Student Center, outdoor spaces adjacent to student unions and West Bank spaces reserved by Student Unions & Activities department)
• Most on-campus outdoor space reservations
• Working concession sales at events in University facilities (e.g. Mariucci and Williams arenas)
• RSO dance practices
• RSO on-campus events and programs intended for and attended by University community and students

2. Exclusions to general liability insurance coverage

There are three activities which are not covered by the policy provided by the University. These specific exclusions are:

• Horseback riding
• Athletic events
• Activities or events to which the general public is invited

Registered Student Organizations will be required to provide proof of insurance in order to conduct events at University facilities which include activities excluded from the liability insurance coverage provided by the University. In these cases, insurance requirements for RSOs must be consistent with the terms of the University of Minnesota's agreement with other third-party users of University space.

To conduct excluded activities in University facilities, registered student organizations must provide proof of general liability insurance coverage (i.e., a certificate of insurance) covering that organization’s event, naming the Regents of the University of Minnesota as an additional insured, and evidencing coverage with a limit of not less than $1,000,000 combined single limit for bodily and personal injury and property damage. If an RSO does not have its own coverage, the University’s TULIP program is one option for obtaining this coverage.

Tenant User's Liability Insurance Policy (TULIP) is a program designed for third-party facility users who need to purchase general liability insurance for an event. TULIP is a web-based insurance policy that protects both the facility user and the University. The policy applies to bodily and personal injury or property damage arising out of the use of University premises by external users.

TULIP Insurance Coverage information is available at http://urmia.bene-marc.com

TULIP coverage is an on-line process that requires a credit card for payment. If you decide to use TULIP coverage, the office responsible for reserving your space will provide you more detailed information on the process.

Note: Events such as 5K runs are not eligible for coverage by the TULIP program. K&K Insurance is one option for obtaining coverage for athletic activities not covered by TULIP.

If you have any questions or need further clarification on University of Minnesota insurance policies, please contact the Office of Risk Management, 612-624-5884.

3. Coverage for off-campus activities

Off-campus activities conducted by RSO’s are not covered by any University general liability insurance. However, it is recommended that RSOs have their own general liability insurance coverage for their off-campus activities. While the University cannot provide this coverage, other insurance companies may be able to provide coverage for your organization. You may contact companies directly or if you have questions, please contact Pam Ubel, Risk Management, at 612-624-5884.

4. Compliance with Insurance Requirements

• RSOs shall be responsible for independently securing necessary liability insurance coverage to conduct activities using University facilities that are excluded from the liability insurance program provided by the University. The TULIP program is also available as an option for excluded activities.
• Additionally, RSOs are encouraged to pursue property, workers compensation, directors and officers, off-campus events and activities, and/or fidelity and crime insurance coverage; as appropriate.
• Student Unions & Activities shall provide educational support addressing risk management and insurance issues and shall provide current information regarding insurance coverage options in conjunction with annual registration.
• Student Unions & Activities shall support efforts of independent student groups to collectively manage risk exposure (e.g., developing risk management guidelines, forming an independent risk purchasing group) but shall not enter into contracts with or on behalf of independent student groups.

5. Sponsorship of Activities

• All parties involved in the joint sponsorship or co-sponsorship of an excluded activity using University facilities each shall be required to meet all insurance requirements.
• Co-sponsorship of an excluded activity using University facilities with a University Campus Life Program or other University entity shall not exempt student groups from insurance requirements for that activity.
• For purposes of determining insurance requirements, joint, co-sponsorship and sponsorship shall be defined as logistical involvement by the student group in the planning and coordination of the activity.