Even a well-prepared funeral home is susceptible to accidents that could wreck financial havoc, such as a pallbearer injury or a crematorium fire. Shield your funeral home with affordable policies.
These policies provide coverage for common risks faced by funeral directors.
A business owner's policy, or BOP, is a cost-effective way for funeral directors to buy general liability coverage and commercial property insurance together.
General liability insurance covers basic funeral home risks, such as client property damage or bodily injury. Bundle with commercial property insurance for savings in a BOP.
This policy is also called errors and omissions insurance (E&O). It helps cover legal expenses if a bereaved family member sues over the quality of a funeral or another issue.
Most states require workers' comp for funeral homes that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Commercial auto insurance covers financial losses when a funeral director's vehicle is involved in an accident. It's required for vehicles registered to a business.
Cyber liability insurance helps funeral directors recover from data breaches and cyberattacks. It's strongly recommended for any business that handles credit card numbers or other sensitive information.
As a funeral director, you work with emotionally fraught clients on a daily basis. This exposes you to a high level of risk. Funeral home insurance helps pay expenses related to slip-and-fall accidents, employee injuries, lawsuits brought by the bereaved, and property damage.