Exotic animal liability, animal mortality, and life-support coverage for institutions holding what can’t be replaced.
Exotic animal liability is the defining exposure of this constituency and the hardest to insure in the entire attractions industry. An escape or attack involving a dangerous species produces catastrophic claims and intense public scrutiny, and standard commercial carriers exclude most of this exposure outright — leaving fewer than a dozen U.S. carriers writing the coverage. Market access, not appetite, is the whole product.
Around it sit exposures that generalist underwriting handles poorly: animal collections whose value is substantial and sometimes irreplaceable, requiring scheduled mortality coverage from Lloyd’s or a handful of domestic specialty markets; aquarium life-support infrastructure where a single equipment failure can destroy an entire collection in minutes; zoonotic disease transmission in petting and encounter programs; federal oversight under the Animal Welfare Act, CITES, and the Marine Mammal Protection Act where non-compliance can mean permit revocation; and volunteer boards making acquisition, disposition, and endowment decisions under public scrutiny.
COVERAGE FOR THIS CLASS
For zoos and aquariums, this coverage provides the foundation liability policy for every attraction, written on forms shaped to ride operation, queue-line incidents, special events, and high guest density rather than generic commercial GL.
For zoos and aquariums, this coverage provides the line that determines whether a catastrophic claim ends the business; towers are built from the excess down to match the severity this industry actually faces.
For zoos and aquariums, this coverage provides coverage addressing drowning and near-drowning claims, lifeguard staffing and certification standards, and CDC Model Aquatic Health Code compliance.
For zoos and aquariums, this coverage provides a separate limit with its own aggregate so a SAM claim does not erode the general liability limit, essential for any venue serving minors.
For zoos and aquariums, this coverage provides closes the gap TRIA and standard CGL leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
For zoos and aquariums, this coverage provides coverage for venues serving alcohol, often better written as a separate policy than a CGL endorsement.
For zoos and aquariums, this coverage provides built for a workforce that is young, seasonal, and high-turnover by design, addressing harassment, discrimination, and wage-and-hour claims.
For zoos and aquariums, this coverage provides built for the seasonal, J-1, and full-time staffing mix and the elevated class codes attractions carry, coordinated with return-to-work programs.
For zoos and aquariums, this coverage provides medical coverage for volunteer docents, education staff, and event volunteers who typically fall outside workers' compensation.
For zoos and aquariums, this service provides full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside P&C placement.
For zoos and aquariums, this service provides outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
For zoos and aquariums, this service provides compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
For zoos and aquariums, this coverage covers ride drive systems, pumps, filtration, life-support infrastructure and similar mechanical assets essential to operations.
For zoos and aquariums, this coverage provides coverage purpose-built for attractions properties, from coasters and animatronics to historic museum buildings, with underwriters who understand true replacement cost.
For zoos and aquariums, this coverage protects revenue when a ride goes down, weather closes the park, or an incident triggers an operational pause, built around this industry's seasonal revenue concentration.
For zoos and aquariums, this coverage protects revenue and sunk costs when severe weather or public-health events force a closure or cancel a signature event.
For zoos and aquariums, this coverage provides protection for ticketing, POS, guest data, and operational technology behind ride control, addressing both guest-data breach and OT compromise.
For zoos and aquariums, this coverage covers chemical storage, handling, and accidental release, plus recreational water illness contamination, on exposures standard forms exclude.
For zoos and aquariums, this coverage covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
For zoos and aquariums, this coverage provides for the high-volume cash operations at gates, concessions, and retail that create employee theft exposure.
For zoos and aquariums, this coverage provides for qualifying, well-run operators: access to captive and alternative risk transfer structures that let a member retain underwriting profit.
For zoos and aquariums, this coverage provides structuring and reviewing certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
For zoos and aquariums, this coverage provides guidance on drafting, administering, and retaining participant waivers that hold up jurisdiction by jurisdiction.
For zoos and aquariums, this service provides year-round risk management delivered through Higginbotham Day Two Services (r), including safety review, compliance, and incident response.
For zoos and aquariums, this service provides 365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
For zoos and aquariums, this service provides on-demand access to an attractions-focused safety library, co-developed with IAAPA Safety Institute standards.
For zoos and aquariums, this service provides a structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
For zoos and aquariums, this service provides a single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
For zoos and aquariums, this service provides direct access to a dedicated specialty service team, the same people who underwrite, service, and advocate for the account.
For zoos and aquariums, this service provides member-only pricing and program incentives across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
The coverage available through IAAPA Insurance Solutions is built around how attractions actually operate — helping members manage catastrophic exposure, protect their guests and staff, and hold coverage that reflects the way the business really runs.
BUILT FOR THE INDUSTRY
Coverage forms, underwriting, and market access built for rides, water, animals, collections, and adventure — not generic commercial policies with riders attached.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with IAAPA Safety Institute standards and available to members worldwide.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
What is IAAPA Insurance Solutions?
Who is it for?
Can you write classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Let’s talk about what that should be worth at your next renewal.
Exotic animal liability, animal mortality, and life-support coverage for institutions holding what can’t be replaced.
Exotic animal liability is the defining exposure of this constituency and the hardest to insure in the entire attractions industry. An escape or attack involving a dangerous species produces catastrophic claims and intense public scrutiny, and standard commercial carriers exclude most of this exposure outright — leaving fewer than a dozen U.S. carriers writing the coverage. Market access, not appetite, is the whole product.
Around it sit exposures that generalist underwriting handles poorly: animal collections whose value is substantial and sometimes irreplaceable, requiring scheduled mortality coverage from Lloyd’s or a handful of domestic specialty markets; aquarium life-support infrastructure where a single equipment failure can destroy an entire collection in minutes; zoonotic disease transmission in petting and encounter programs; federal oversight under the Animal Welfare Act, CITES, and the Marine Mammal Protection Act where non-compliance can mean permit revocation; and volunteer boards making acquisition, disposition, and endowment decisions under public scrutiny.
COVERAGE FOR THIS CLASS
For zoos and aquariums, this coverage provides the foundation liability policy for every attraction, written on forms shaped to ride operation, queue-line incidents, special events, and high guest density rather than generic commercial GL.
For zoos and aquariums, this coverage provides the line that determines whether a catastrophic claim ends the business; towers are built from the excess down to match the severity this industry actually faces.
For zoos and aquariums, this coverage provides coverage addressing drowning and near-drowning claims, lifeguard staffing and certification standards, and CDC Model Aquatic Health Code compliance.
For zoos and aquariums, this coverage provides a separate limit with its own aggregate so a SAM claim does not erode the general liability limit, essential for any venue serving minors.
For zoos and aquariums, this coverage provides closes the gap TRIA and standard CGL leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
For zoos and aquariums, this coverage provides coverage for venues serving alcohol, often better written as a separate policy than a CGL endorsement.
For zoos and aquariums, this coverage provides built for a workforce that is young, seasonal, and high-turnover by design, addressing harassment, discrimination, and wage-and-hour claims.
For zoos and aquariums, this coverage provides built for the seasonal, J-1, and full-time staffing mix and the elevated class codes attractions carry, coordinated with return-to-work programs.
For zoos and aquariums, this coverage provides medical coverage for volunteer docents, education staff, and event volunteers who typically fall outside workers' compensation.
For zoos and aquariums, this service provides full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside P&C placement.
For zoos and aquariums, this service provides outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
For zoos and aquariums, this service provides compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
For zoos and aquariums, this coverage covers ride drive systems, pumps, filtration, life-support infrastructure and similar mechanical assets essential to operations.
For zoos and aquariums, this coverage provides coverage purpose-built for attractions properties, from coasters and animatronics to historic museum buildings, with underwriters who understand true replacement cost.
For zoos and aquariums, this coverage protects revenue when a ride goes down, weather closes the park, or an incident triggers an operational pause, built around this industry's seasonal revenue concentration.
For zoos and aquariums, this coverage protects revenue and sunk costs when severe weather or public-health events force a closure or cancel a signature event.
For zoos and aquariums, this coverage provides protection for ticketing, POS, guest data, and operational technology behind ride control, addressing both guest-data breach and OT compromise.
For zoos and aquariums, this coverage covers chemical storage, handling, and accidental release, plus recreational water illness contamination, on exposures standard forms exclude.
For zoos and aquariums, this coverage covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
For zoos and aquariums, this coverage provides for the high-volume cash operations at gates, concessions, and retail that create employee theft exposure.
For zoos and aquariums, this coverage provides for qualifying, well-run operators: access to captive and alternative risk transfer structures that let a member retain underwriting profit.
For zoos and aquariums, this coverage provides structuring and reviewing certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
For zoos and aquariums, this coverage provides guidance on drafting, administering, and retaining participant waivers that hold up jurisdiction by jurisdiction.
For zoos and aquariums, this service provides year-round risk management delivered through Higginbotham Day Two Services (r), including safety review, compliance, and incident response.
For zoos and aquariums, this service provides 365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
For zoos and aquariums, this service provides on-demand access to an attractions-focused safety library, co-developed with IAAPA Safety Institute standards.
For zoos and aquariums, this service provides a structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
For zoos and aquariums, this service provides a single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
For zoos and aquariums, this service provides direct access to a dedicated specialty service team, the same people who underwrite, service, and advocate for the account.
For zoos and aquariums, this service provides member-only pricing and program incentives across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
The coverage available through IAAPA Insurance Solutions is built around how attractions actually operate — helping members manage catastrophic exposure, protect their guests and staff, and hold coverage that reflects the way the business really runs.
BUILT FOR THE INDUSTRY
Coverage forms, underwriting, and market access built for rides, water, animals, collections, and adventure — not generic commercial policies with riders attached.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with IAAPA Safety Institute standards and available to members worldwide.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
What is IAAPA Insurance Solutions?
Who is it for?
Can you write classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Let’s talk about what that should be worth at your next renewal.
Exotic animal liability, animal mortality, and life-support coverage for institutions holding what can’t be replaced.
Exotic animal liability is the defining exposure of this constituency and the hardest to insure in the entire attractions industry. An escape or attack involving a dangerous species produces catastrophic claims and intense public scrutiny, and standard commercial carriers exclude most of this exposure outright — leaving fewer than a dozen U.S. carriers writing the coverage. Market access, not appetite, is the whole product.
Around it sit exposures that generalist underwriting handles poorly: animal collections whose value is substantial and sometimes irreplaceable, requiring scheduled mortality coverage from Lloyd’s or a handful of domestic specialty markets; aquarium life-support infrastructure where a single equipment failure can destroy an entire collection in minutes; zoonotic disease transmission in petting and encounter programs; federal oversight under the Animal Welfare Act, CITES, and the Marine Mammal Protection Act where non-compliance can mean permit revocation; and volunteer boards making acquisition, disposition, and endowment decisions under public scrutiny.
COVERAGE FOR THIS CLASS
For zoos and aquariums, this coverage provides the foundation liability policy for every attraction, written on forms shaped to ride operation, queue-line incidents, special events, and high guest density rather than generic commercial GL.
For zoos and aquariums, this coverage provides the line that determines whether a catastrophic claim ends the business; towers are built from the excess down to match the severity this industry actually faces.
For zoos and aquariums, this coverage provides coverage addressing drowning and near-drowning claims, lifeguard staffing and certification standards, and CDC Model Aquatic Health Code compliance.
For zoos and aquariums, this coverage provides a separate limit with its own aggregate so a SAM claim does not erode the general liability limit, essential for any venue serving minors.
For zoos and aquariums, this coverage provides closes the gap TRIA and standard CGL leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
For zoos and aquariums, this coverage provides coverage for venues serving alcohol, often better written as a separate policy than a CGL endorsement.
For zoos and aquariums, this coverage provides built for a workforce that is young, seasonal, and high-turnover by design, addressing harassment, discrimination, and wage-and-hour claims.
For zoos and aquariums, this coverage provides built for the seasonal, J-1, and full-time staffing mix and the elevated class codes attractions carry, coordinated with return-to-work programs.
For zoos and aquariums, this coverage provides medical coverage for volunteer docents, education staff, and event volunteers who typically fall outside workers' compensation.
For zoos and aquariums, this service provides full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside P&C placement.
For zoos and aquariums, this service provides outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
For zoos and aquariums, this service provides compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
For zoos and aquariums, this coverage covers ride drive systems, pumps, filtration, life-support infrastructure and similar mechanical assets essential to operations.
For zoos and aquariums, this coverage provides coverage purpose-built for attractions properties, from coasters and animatronics to historic museum buildings, with underwriters who understand true replacement cost.
For zoos and aquariums, this coverage protects revenue when a ride goes down, weather closes the park, or an incident triggers an operational pause, built around this industry's seasonal revenue concentration.
For zoos and aquariums, this coverage protects revenue and sunk costs when severe weather or public-health events force a closure or cancel a signature event.
For zoos and aquariums, this coverage provides protection for ticketing, POS, guest data, and operational technology behind ride control, addressing both guest-data breach and OT compromise.
For zoos and aquariums, this coverage covers chemical storage, handling, and accidental release, plus recreational water illness contamination, on exposures standard forms exclude.
For zoos and aquariums, this coverage covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
For zoos and aquariums, this coverage provides for the high-volume cash operations at gates, concessions, and retail that create employee theft exposure.
For zoos and aquariums, this coverage provides for qualifying, well-run operators: access to captive and alternative risk transfer structures that let a member retain underwriting profit.
For zoos and aquariums, this coverage provides structuring and reviewing certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
For zoos and aquariums, this coverage provides guidance on drafting, administering, and retaining participant waivers that hold up jurisdiction by jurisdiction.
For zoos and aquariums, this service provides year-round risk management delivered through Higginbotham Day Two Services (r), including safety review, compliance, and incident response.
For zoos and aquariums, this service provides 365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
For zoos and aquariums, this service provides on-demand access to an attractions-focused safety library, co-developed with IAAPA Safety Institute standards.
For zoos and aquariums, this service provides a structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
For zoos and aquariums, this service provides a single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
For zoos and aquariums, this service provides direct access to a dedicated specialty service team, the same people who underwrite, service, and advocate for the account.
For zoos and aquariums, this service provides member-only pricing and program incentives across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
The coverage available through IAAPA Insurance Solutions is built around how attractions actually operate — helping members manage catastrophic exposure, protect their guests and staff, and hold coverage that reflects the way the business really runs.
BUILT FOR THE INDUSTRY
Coverage forms, underwriting, and market access built for rides, water, animals, collections, and adventure — not generic commercial policies with riders attached.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with IAAPA Safety Institute standards and available to members worldwide.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
What is IAAPA Insurance Solutions?
Who is it for?
Can you write classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Let’s talk about what that should be worth at your next renewal.