As independent student organizations, Harvard club sports are not covered under Harvard University insurance.

Important: Any club event or practice that includes non-Harvard affiliates requires liability insurance. The Club Sports Office (CSO) will not approve or consider event requests without a valid Certificate of Insurance (COI).

When acquiring general liability coverage, your policy must meet the following standards:

• Coverage Limits: General Liability of $1 million per occurrence / $2 million general aggregate.
• Additional Insured Clause: The policy must explicitly list as additional insureds: "President and Fellows of Harvard College, its subsidiary and affiliated companies, and officers, directors, members of governing boards, employees and agents of any of them."
• Insurer Rating: Insurance must be purchased from companies with an A.M. Best financial strength rating of A- VII or better and authorized to operate in the appropriate jurisdiction.

1. One-Time or Special Events

If hosting a single event on campus (without alcohol sales or unaccompanied minors), the TULIP Program (Tenant User Liability Insurance Policy) is usually the quickest and most cost-effective option:

• Visit the TULIP Website.
• Select Massachusetts > Harvard College from the drop-downs.
• Enter your event details and estimated attendee/spectator count for a Quick Quote.
• Note: TULIP covers liability to third parties and Harvard, but does not cover participant injury.

2. Coverage Through an Affiliated League

If your club belongs to a governing body or league, check if your league membership includes general liability coverage:

• Confirm the policy covers general liability (many cover participant accident insurance only).
• Request that your league list Harvard as an additional insured.
• Obtain a copy of the COI and submit it to the CSO. Contact us if the league cannot add Harvard as an additional insured.

3. Annual Coverage

For clubs hosting multiple events per year, an annual policy or specialized insurance broker may be necessary:

• Most applications allow you to estimate event numbers based on previous years.
• Recommended providers include K&K Insurance and SportsInsurance.com.
• Clubs may use other providers, provided all coverage requirements above are met.

4. Off-Campus Coverage

For activities taking place off-campus, please review the venues insurance requirements. Clubs may need to purchase event liability insurance for independent venues. Club officers should follow the requirements of the venue they are attending.

• Pricing: Costs vary by sport, event size, and duration. The CSO does not set pricing or offer quotes; please get estimates directly from providers.
• Financial Support: Clubs are eligible to have their insurance expenses reimbursed at the end of each semester through the Fall & Spring Insurance Reimbursement.

Exemption Note: If your club holds practices and activities strictly limited to Harvard affiliates with no outside visitors, you are not required to purchase general liability coverage.