Tenant Users Liability Insurance Policy

As you begin to make plans and arrangements for your summer camps, please remember that Concordia requires that you obtain and provide proof of coverage (a certificate sent to the Business Office) before you are allowed to conduct your camps on college premises.

The same option is available to you this year as was last year through University Risk Management and Insurance Association. Instead of purchasing coverage as a group, it may be cheaper to do so individually via a new CAMPS coverage provided by URMIA. The college belongs to URMIA, which offers Tenant Users Liability Insurance Policy TULIP.  TULIP includes a CAMPS division, which is similar but specifically designed for summer camps and sports clinics.

Basic Coverage
General liability coverage by a rated A+ XV (superior) carrier by AM Best

General Aggregate Limit $2,000,000
Products & Completed Operations
Aggregate Limit		 $1,000,000
Each Occurrence Limit $1,000,000
Personal/Advertising Injury Limit $1,000,000
Fire Damage Limit $100,000 any one fire
Medical Payment Limit Excluded
Abuse or Molestation Each occurrence $50,000
In the aggregate $100,000
Terrorism Risk Insurance Act (TRIA) Included

The minimum general liability premium is $225.00 There is no restriction of third party property damage coverage to the institution.

Excess Accident Medical Coverage
Underwritten by: AIG Life Insurance Company, a Delaware insurance company, has its principal place of business at 600 King Street, Wilmington, Delaware 19801. It is currently authorized to transact business in all states (except New York), District of Columbia and Puerto Rico. NAIC No. 66842.

AIG Life Insurance Company rated A+ (superior)
$25,000 limit required for Class I Programs
$100,000 limit required for Class II Programs
$100 Deductible
$5,000 Accidental Death & Dismemberment
52 Week Benefit Period
$1,500 per Tooth per Accident
Overnight Camps Include a $1,000 Sickness Benefit

This is only a brief description of the coverage(s) available under policy series. The policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the Policy, the Policy shall govern.

Optional Coverage
Additional limits are available for $1,000 per $million in limits, i.e.$1,000,000 in additional limits is $1,000; $2,000,000 in additional limits is $2,000 etc. up to $5,000,000 in limits for $5,000. Additional insureds may be added for $25.00 per insured.

Accessing Coverage
Visit URMIA online and select TULIP, then Products and Services. Select Summer Camps. Under “How do I access coverage?” select “Web site” under point 3, where you will need to either register as a new user or log in to your existing account and agree to terms of use. Next you will need to enter Concordia’s passcode, 58515692.  Select Tenant User Insurance.  From this point you select your type of event, etc.
 
Remember, regardless of your choice of coverage, the college requires you to obtain and provide proof of coverage before we will allow you to conduct your camps.

Contact Us
If you have any questions, please contact Karleen Mjolsness at 218.299.4242.
 

Information For:

current students
faculty and staff		 parents
alumni		 high school students
admitted students