Zoos have always been family attractions. They are the places where kids and adults view the enclosed animals, gain awareness about them and enjoy a memorable experience. Recent unfortunate events, however, where zoo managements have been liable for accidents, have placed an emphasis on insurance requirements.
A zoo can encompass a huge swath of land with cages that house many different tropical, exotic and interesting animals or be small, focusing on one or a few types of wildlife. Likewise, a zoo can either be accessible to the broad public or be open exclusively for those involved in related research. A zoo can be maintained by government or special societies, either for or not-for-profit.
The common denominator between all zoos is that it is a place where animals are kept and cared for by trained personnel in a regulated setting.
Insured risks incorporate:
- Standard walk through zoos
- Drive through safaris
- Wildlife refuge enclosures
- Recreational park that house zoos
Insurance coverage can include:
- Commercial General Liability
- Property Insurance
- Commercial Auto Insurance
- Business Income Insurance
- Inland Marine Insurance
- Workers Comp
- Crime Insurance
- Food-Borne Illness Insurance
- Excess-Umbrella Liability
- Professional Liability Insurance
Besides the coverage types listed above, animal mortality may be added on a stand-alone basis.
For further information about Zoo and Zoological Society Insurance, speak to an experienced and knowledgeable agent.
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Summary: Here’s a concise rundown about insurance coverage for the zoo.