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 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.
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What types of business insurance do funeral directors need?
These insurance policies cover common risks faced by funeral directors.
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
- Stolen or damaged business property
- Business interruption incidents
General liability insurance
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.
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Professional liability insurance
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).
- Lawsuits from dissatisfied relatives
- Errors, such as wrong casket material
- Failure to provide promised services
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
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
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.
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This type of coverage helps funeral directors recover from data breaches and cyberattacks. It's strongly recommended for any business that handles sensitive information.
- Customer notification costs
- Data breach investigations
- Fraud monitoring services
How much does insurance cost for professional service businesses?
A funeral home with only a few employees will pay less for insurance than a larger business.
Factors that affect professional services premiums include:
- The services you offer, such as funeral services or cremation
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get funeral home insurance?
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
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.
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