Business Insurance for Funeral Directors

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Flowers laid on a casket.
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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.

Funeral director in front of a casket.
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Choose the best rate and coverage

Insureon helps funeral directors compare insurance quotes from top U.S. providers online. It’s free, and only takes 15 minutes.

What types of insurance do funeral directors need?

These policies provide coverage for common risks faced by funeral directors.

Business owner’s policy icon

Business owner’s policy

A BOP bundles property insurance and general liability insurance in one plan. It's often one of the most cost-effective types of commercial insurance for funeral directors.

  • Client injuries
  • Damaged business property
  • Business interruption incidents
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance, can help cover legal expenses if a bereaved family member sues over the quality of a funeral or another issue.

  • Lawsuits from dissatisfied relatives
  • Errors, such as wrong casket material
  • Failure to provide promised services
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for funeral homes that have employees. It can cover medical bills for work-related injuries.

  • Employee medical expenses
  • Missed wages
  • Legal costs
General liability insurance icon

General liability insurance

General liability covers basic funeral home risks, such as client property damage or injury. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for funeral directors?

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Several factors will have an impact on insurance costs, including:

  • Funeral services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Why do funeral directors need insurance?

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 more.

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