Tenant User Liability

Every time a venue or facility is rented out, there is an exposure for liability incidents. Tokio Marine HCC's Tenant User Liability Insurance Policy (TULIP) is designed for venues and facility owners that rent out their space for events. These policies are a simple solutions to ensure the venue or facility is protected, while also providing an easy and efficient solution for the event organizer to obtain the coverage that is being required of them.


  • Fully automated online portal
  • Customizable web link tailed for venue's website
  • Covers third-party bodily injury or property damage
  • Easy, efficient risk management tool
  • Eliminates need for separate special event policy

Best For

  • Banquets
  • Birthday parties
  • Camps
  • Conferences / conventions / meetings
  • Fairs and festivals
  • Weddings

Summary of Coverage

The Tenant User Liability Insurance Policy (TULIP) provides a simple solution for venues, municipalities and/or facility owners to set up annual policies covering third-party liability for their lessees holding events. The coverage provides the proper insurance for the lessee based on the venue or facility's requirements and therefore holds the venue / facility harmless should an incident occur that is caused by the event organizer's negligence. Slip and fall incidents, property damage and liquor related incidents are just a few of the potential risks associated with holding events.

To limit the exposures, it is necessary for the venue or facility owner to make sure the tenant / lessees have their own insurance for their events. The fully automated, online system provides the venue / facility the ability to allow their tenants / lessees to visit their portal and obtain the required coverage for that particular event. The portal is also a risk management tool, so if the tenant / lessee already has the required coverage, they have the ability to upload proof of coverage online.

Related Products

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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