Animal Sanctuary Insurance
Coverage for the broad responsibility of housing and caring for many animals at once.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage to visitors, volunteers, and the public
- ✓Injury to animals in your care, custody, and control across the property
- ✓Claims arising from an animal escaping the grounds and causing harm or damage
- ✓Premises exposure tied to tours, donation events, and volunteer activity on site
Coverage products commonly considered
Most animal sanctuary operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A visitor on a guided tour is knocked down by a large rescued animal and alleges injury; the general liability portion is intended to respond in the event of a covered claim.
- An animal escapes through a damaged enclosure and damages a neighbor's property, an allegation the policy is generally intended to address subject to its terms.
Frequently asked questions
How is a sanctuary's exposure different from a single-pet business?
Housing many animals across an open property multiplies premises, escape, and care, custody, and control exposures at once. The coverages a sanctuary carries are generally intended to respond to that wider footprint. A licensed insurance professional can help match limits to the number of animals and visitors.
Are volunteers and visitors accounted for?
Tours, events, and volunteer days bring members of the public onto the grounds, creating premises liability exposure that general liability is generally intended to respond to in the event of a covered claim. Specific terms vary by carrier and state.
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