TULIP Insurance for Groups Renting Church Space
Renting a church's hall, gym, sanctuary, or classroom? The church may ask your group to carry its own liability coverage while you use the space. A Tenants and Users Liability Insurance Policy (TULIP) gives your organization, group, or family that coverage, for a single event or ongoing use, and protects both you and the church.
Get a QuoteWhat Are You Renting Church Space For?
From a one-day rental to weekly use, choose the closest match to see how TULIP coverage typically works.
Meetings & Support Groups
Renting a church's fellowship hall or classroom for your weekly meeting, club, or support group? Ongoing coverage protects your group's regular use of the space, meeting after meeting.
Get a quote for this rental
How To Get TULIP Coverage In Six Steps
Everything happens online, on LIO's secure quoting platform. Most groups finish in about ten minutes.
Is Your Ministry Already Insured With ChurchWest?
Check With Your Agent First
Your current ChurchWest policy may already cover rental activities, so ask your agent before you buy a separate TULIP.
Start Your Quote Online
The button below takes you to ChurchWest's dedicated partner page on LIO's secure quoting site.
Create Your Free LIO Account
Sign up with your name and email, then verify your address. It takes about a minute and keeps your quote saved.
Choose Your Product And Dates
Select Special Events, pick your business class (sporting or non-sporting), and enter the start and end dates of your rental.
Tell Us Who Is Being Insured
Your organization's legal name (or your own), applicant type, and mailing address.
Add The Church And Your Rental Details
The church's address, your activity type, and average daily attendance, plus a few short questions about how you will use the space.
Review Your Price And Buy Online
Confirm your coverage limits, purchase online, and receive your policy documents by email, including the certificate of insurance the host church asks for.
Frequently Asked Questions
What is TULIP insurance?
TULIP stands for Tenants and Users Liability Insurance Policy. It is general liability insurance for groups that rent or borrow a church's facilities, for a single event or for ongoing use. If a guest is injured or the building is damaged while you are using the space, the TULIP policy responds.
Our ministry already has a policy through ChurchWest. Do we still need a TULIP?
Check with your ChurchWest agent first. The policy your ministry already carries may extend to your use of the church's space, and your agent can review it with you before you buy anything separate. The online TULIP is built for groups renting a church without coverage of their own, so a quick call helps you understand which one fits. Call 800-843-6054 or reach your agent through our contact page.
Why does the church want us to carry our own coverage?
When your group rents a church, the church's own policy may not extend to your activities. Your TULIP policy responds to your use of the space and names the church as an additional insured, so both of you are protected. It is a fast way to meet the church's rental requirements before your first day in the building.
We rent church space every week. Can we still get a policy?
Yes. TULIP is not only for one-time events. If your group rents a church's space on an ongoing basis, coverage can be arranged for that regular use. Note how often you meet when you request your quote so it reflects your actual schedule.
How much does it cost?
Cost depends on the type, size, and length of your rental. You will see your exact price online before you decide anything. There is no commitment to get the number.
Do we need insurance to rent a church?
Often, yes. Many churches ask outside groups to show proof of their own liability coverage before a rental, usually a certificate of insurance naming the church as an additional insured. Check your rental or facility use agreement, or ask your contact at the church what they need.
Is TULIP the same as special event insurance?
TULIP is a type of special event insurance, also called tenant and user liability insurance. The name covers both situations it is built for: users who rent a space for a single event, and tenants who rent it on an ongoing basis.
How does the church get proof of coverage?
Your policy comes with a certificate of insurance naming the church as an additional insured. It arrives by email. Forward it to your contact at the church, or bring a printed copy.