Zoo Insurance

Zoo Insurance

Zoo Insurance

Learn what kind of coverage you need as a Zoo. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Zoo. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Zoo. Ready for a quote? We'll help protect your practice quickly and simply.

Backed by 20+ years’ experience

Save up to 35% on premiums

Partnership with top carriers

We partner with 100+ insurance companies you can count on.

Why Does a Zoo Need Insurance?

Zoos manage public foot traffic, live animals, volunteers, and complex facilities. One bite, slip, escaped animal, or equipment failure can trigger medical claims, lawsuits, and regulatory scrutiny. Insurance helps keep admissions, programs, and care operations running after an incident.

What Does Zoo Insurance Cover?

Zoo insurance can cover visitor injuries, animal-related incidents, property damage to habitats and buildings, lost income after closures, and claims tied to staff, volunteers, vendors, and special events.

Visitor injury near an exhibit

A guest slips on a wet walkway by the penguin habitat and needs surgery. General liability can help cover medical costs and legal defence if you are sued.
A guest slips on a wet walkway by the penguin habitat and needs surgery. General liability can help cover medical costs and legal defence if you are sued.

Animal incident and emergency response

A small animal escapes into a public area and a visitor is scratched during evacuation. Coverage can help with third-party injury claims, incident-related legal costs, and response expenses.
A small animal escapes into a public area and a visitor is scratched during evacuation. Coverage can help with third-party injury claims, incident-related legal costs, and response expenses.

Habitat damage shuts down a section

A storm damages fencing and life-support systems for aquatic exhibits, forcing a temporary closure. Property coverage and business income can help pay for repairs and lost revenue.
A storm damages fencing and life-support systems for aquatic exhibits, forcing a temporary closure. Property coverage and business income can help pay for repairs and lost revenue.

Zoo Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

What insurance does a zoo typically need in California?

Most zoos start with general liability, commercial property, workers’ compensation, and commercial auto if vehicles are used on or off site. Many also add umbrella liability for higher limits, business income for closure events, and coverage for equipment breakdown tied to life-support systems. The right mix depends on your animals, attendance, and facility setup.

Are animal bites, scratches, or guest interactions covered?

Does zoo insurance cover escaped animal incidents?

What if a storm or wildfire forces us to close?

Do volunteers and interns need to be covered?

How are premiums for zoo insurance determined?

What insurance does a zoo typically need in California?

Most zoos start with general liability, commercial property, workers’ compensation, and commercial auto if vehicles are used on or off site. Many also add umbrella liability for higher limits, business income for closure events, and coverage for equipment breakdown tied to life-support systems. The right mix depends on your animals, attendance, and facility setup.

Are animal bites, scratches, or guest interactions covered?

Does zoo insurance cover escaped animal incidents?

What if a storm or wildfire forces us to close?

Do volunteers and interns need to be covered?

How are premiums for zoo insurance determined?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.