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 policies help pay for slip-and-fall injuries, fires, lawsuits brought by the bereaved, and stolen property. Some policies may be required by state law.
These insurance policies cover 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 it with commercial property coverage for savings in a BOP.
This policy helps cover legal expenses if a bereaved family member sues over the quality of an embalming or other issue. It's sometimes referred to as errors and omissions insurance (E&O).
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.
A commercial auto policy covers financial losses when a hearse or other vehicle owned by your funeral home is involved in an accident. Most states require it for business-owned vehicles.
This type of coverage helps funeral directors recover from data breaches and cyberattacks. It's strongly recommended for any business that handles sensitive information.
It's easy to get funeral home business insurance if you have your company information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right funeral home insurance coverage for your business, whether you work independently or hire employees.