Sample Petting Zoo Insurance Claims
More reasons animal businesses carry insurance - illustrative examples only.
General information only. This page describes activities and risk topics in general terms - it is not a statement that insurance coverage applies or is available for any specific business, animal, or activity. Coverage, terms, and eligibility vary by carrier, state, and underwriting review of the individual risk. This is educational content, not insurance, legal, or financial advice. See our full disclaimer.
What Insurance Risk Do Petting Zoos Have?
Common risk scenarios animal businesses face include:
- An animal bite or nip while a visitor is feeding or petting an animal
- An animal knocking a visitor over, especially young children
- An animal scratching a visitor
- A visitor slipping and falling near an enclosure, on hay, or on wet ground
Read more on the topic: What Insurance Risk Do Petting Zoos Have?
Illustrative Scenario - Bodily Injury Claim
A visitor slips on hay and water near an enclosure and sustains an injury requiring roughly $15,000 in medical treatment. The visitor also misses two months of work, totaling an estimated $10,000 in lost wages. This is a hypothetical example only - actual outcomes and whether any coverage would apply depend entirely on the facts and the terms of the specific policy in force.
Read more: Bodily Injury Claims
More Reading
- Reptile Show Insurance - reptile shows are fun and educational, but spectator slip-and-fall risk still applies.
- Goat Yoga Insurance - goat yoga and animal therapy services can often be included alongside petting zoo coverage.
- Complete the Application - even if you've already filled out a preliminary form, the full application is needed to get a formal quote.
- Petting Zoo Marketing Ideas - growing the business alongside protecting it.