Aquariums entertain kids and adults with a variety of programs and activities. If you own or operate an aquarium, purchase adequate insurance as you protect your patrons and your business.
What Activities Does Insurance for Aquariums Cover?
Depending on your specific insurance policy, coverage can extend to numerous programs, activities and people associated with your aquarium.
- Animal rides
- Play areas
- Field trips
- Day camps
- Special events
- Fundraisers
- Volunteers
- Food and beverage concessions
Types of Insurance for Aquariums
Protect your aquarium with several different types of insurance that address property, liability, and operational risks.
General Liability
General liability, typically written on an admitted basis in most states, offers broad coverage and commonly covers bodily injury and property damage. For more detail, see General Liability Insurance for Commercial Aquariums.
Common add-ons
Ask your agent about additional liability coverages that may be appropriate for an aquarium.
- Employee Benefits Liability
- Liquor Liability
- Transmissible Pathogens Coverage
- Volunteer Accident Medical Coverage
Property Coverage
Equipment breakdowns can cost thousands of dollars. Property insurance can pay for repairs and may include emergency vacating expenses and crisis response coverage for your business.
Workers' Compensation Insurance
Employees can be injured or become ill while performing their jobs. Workers' compensation covers medical treatment, loss of income and related costs; requirements vary by state, so review your needs with an agent.
Employment Practices Liability Insurance
EPLI covers claims employees make against your aquarium, such as discrimination, wrongful termination or breach of contract. Purchase EPLI as a stand-alone policy or as part of a packaged Businessowners Policy.
Commercial Auto Insurance
Vehicles you own and use primarily for work-related activities should be covered with commercial auto insurance. This can also cover trailers used to haul animals to educational shows or displays.
Directors and Officers Liability Insurance
Your board of directors can be sued for decisions that create financial consequences. Directors and officers liability insurance covers legal fees on a claims-made basis.
Crime Insurance
If theft or other crime occurs at your aquarium, crime insurance can help cover the loss when you file a claim.
Cyber Liability Insurance
The collection of customer data, including payment information, creates cyber risk. Protect your business with cyber liability insurance and good data-security practices.
For broader guidance tailored to facilities that care for animals and welcome the public, see the Aquarium and Zoo Operators Insurance Guide.
Insurance for aquariums protects your business and helps ensure you can continue to entertain guests. If you have questions or need a policy review, talk to your agent about your specific operations and exposures.
Frequently Asked Questions
What activities are typically covered under aquarium insurance?
Policies often extend to events like field trips, day camps, exhibits, and concessions, but coverage depends on the policy language and any exclusions.
Does general liability cover animal-related injuries?
General liability can cover bodily injury, but coverage for animal bites or transmission of pathogens may be limited or require specific endorsements.
When do I need commercial auto insurance for my aquarium?
If you use a vehicle primarily for business tasks—transporting animals, equipment, or staff—you typically need commercial auto coverage rather than personal auto insurance.
How can I reduce the risk of a cyber breach?
Combine cyber liability insurance with strong security measures: regular software updates, secure payment processing, and employee training on phishing.