Aquariums entertain kids and adults with a variety of programs and activities. If you own or operate an aquarium, purchase adequate insurance for aquariums as you protect your patrons and your business.
What Activities Does Insurance for Aquariums Cover?
Depending on your specific insurance for aquariums, your policy may cover numerous programs, activities and people.
- Animal rides
- Play areas
- Field trips
- Day camps
- Special events
- Food and beverage concessions
Types of Insurance for Aquariums
Protect your aquarium with several different types of insurance.
Written on an admitted basis in most states, general liability offers broad coverage. It typically covers bodily injury and property damage. Ask your insurance agent about coverage for other liabilities, too, such as:
- Employee Benefits Liability
- Liquor Liability
- Transmissible Pathogens Coverage
- Volunteer Accident Medical Coverage
Equipment breakdowns could cost your aquarium thousands of dollars. Property insurance can pay to cover these repairs. It can also cover emergency vacating expenses and crisis response coverage for your business.
Workers’ Compensation Insurance
Employees could be injured or become ill while they perform their job. Carry Workers’ Compensation to cover medical treatment, loss of income and other related costs. Because the Workers’ Compensation requirements vary by state, discuss your specific needs with your insurance agent.
Employment Practices Liability Insurance
EPLI covers claims employees make against your aquarium. These claims could include discrimination, wrongful termination, breach of contract and other wrongful acts. Purchase EPLI coverage as a stand-alone policy or as part of your packaged Businessowners Policy.
Commercial Auto Insurance
A vehicle you own and use primarily for work-related activities must be covered with commercial auto insurance. This policy can also cover a trailer you use to haul animals to other locations for educational shows or displays.
Directors and Officers Liability Insurance
Your aquarium’s board of directors guides your business, but they can be sued if they make a decision that creates financial consequences for someone. D & O liability insurance covers legal fees on a claims-made basis.
When a crime, including theft, occurs at your aquarium, you must absorb the loss. File a claim against your crime insurance to cover the theft.
Cyber Liability Insurance
The collection of customer data, including credit card information, is common in any business. Data and cyber breaches put your aquarium at risk, though, so protect your business with cyber liability insurance.
Insurance for aquariums protects your business and ensures you can continue to entertain guests. Discuss your aquarium insurance needs with your agent today.