Zoos and aquariums are more than attractions—they are educational and conservation hubs visited by families, students, and tourists. With their complex operations and unique risks, these venues require specialized insurance solutions. American Specialty Insurance & Risk Services offers a dedicated Zoos and Aquariums Insurance Program designed to meet the specific needs of these organizations and the agents who serve them.
Eligible Operations for Zoos and Aquariums Insurance
Zoos
Wildlife Parks
Amusement Parks
Drive-Through Zoos
Festivals
Exhibitions
Aquariums
Themed Attractions
Special Events
Program Highlights for Zoos and Aquariums Insurance
“Excellent” or Higher A.M. Best Rated Carrier
Admitted Coverage
Program-Specific Forms and Rates
Non-Auditable Policy Structure
24-Hour Claims Service
In-House Underwriting, Claims, Risk Management, and Policy Administration
Online Tools and Resources for Agents
Program Coverages for Zoos and Aquariums Insurance
General Liability
Volunteers as Additional Insureds
Sexual Abuse and Molestation Coverage
Contingent Fireworks Coverage
Primary and Contingent Ride Liability
Excess/Umbrella Liability
Liquor Liability
Automobile Coverage
Property Coverage
Crime Insurance
Employee Benefits Liability
Volunteer Accident Medical Coverage
Deductible and SIR Options
Ideal Accounts and Appetite
American Specialty is looking to partner with agents placing accounts that involve animal interaction, public education, and entertainment. Ideal submissions include traditional zoos, aquariums, drive-through animal parks, and wildlife exhibits. Seasonal attractions and traveling exhibitions may also be considered. We understand the exposures unique to these venues—from volunteer liability to animal-related incidents—and tailor coverage accordingly.
Examples of strong fits for this program include:
- A regional aquarium that hosts school field trips and special events.
- A drive-through safari park offering interactive animal feeding experiences and guided tours.
Underwriting and Minimum Premiums
This program is supported by highly rated carriers and features admitted coverage in all available states. All policies use program-specific forms and rates, and are non-auditable—helping your clients avoid unexpected premium adjustments. Minimum premiums vary based on the risk profile and size of the operation.
Territories and Availability
The Zoos and Aquariums Insurance Program is available in all 50 states plus Washington, DC. Whether your client operates in a rural area or a major metropolitan region, American Specialty has the capacity and flexibility to support your placement needs across the country.
Why Work With American Specialty
As a Managing General Underwriter with deep expertise in the entertainment, leisure, and attraction industries, American Specialty provides more than just a policy. Our in-house underwriting, claims, and risk management teams are integrated to offer responsive service and tailored solutions. We help agents navigate complex risks and deliver value to insureds through every step of the policy lifecycle.
To learn more or to submit a risk, visit our company profile or go directly to our Zoos and Aquariums Insurance storefront.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include zoos, aquariums, wildlife parks, amusement-based animal attractions, and similar venues that involve public interaction and animal care operations.
Is the coverage admitted or non-admitted?
This program offers admitted coverage in all available states, supported by carriers rated “Excellent” or higher by A.M. Best.
Are special events or festivals eligible for coverage?
Yes, special events, exhibitions, and festivals associated with zoos and aquariums can be covered under this program, subject to underwriting.
What support does American Specialty provide to agents?
Agents benefit from in-house underwriting, claims, risk management, and policy administration, along with 24-hour claims service and online tools.
Is there a minimum premium requirement?
Minimum premiums vary based on the size, location, and nature of the operation. Contact underwriting for specific guidance on submissions.
Need help placing an account? Connect with a market specialist.