Business Insurance for Funeral Directors

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Funeral Directors
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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Insureon helps funeral directors compare insurance quotes from top U.S. providers online. Get several quotes with one easy application.

What types of business 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 business owner's policy, or BOP, is a cost-effective way for funeral directors to buy general liability coverage and commercial property insurance together.

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

General liability insurance

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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
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Professional liability insurance

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.

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

Workers’ compensation insurance

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.

  • Employee medical expenses
  • Missed wages
  • Legal costs
Commercial auto insurance icon

Commercial auto insurance

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.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
Cyber liability insurance icon

Cyber liability insurance

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.

  • Customer notification costs
  • Data breach investigations
  • Fraud monitoring services
Looking for different coverage? See more policies.

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 property damage.

How much does insurance cost for funeral directors?

Business professional in a tie calculating the cost of insurance.

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

  • Funeral services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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