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Funeral Homes Face a Range of Risk Exposures: Let's Protect You Against Them

Business Insurance Quotes for Funeral Homes & Directors

Operating a funeral home or death care business comes with immense responsibility helping families through devastating losses. 

You also face substantial risks ranging from liability claims to business interruptions that could financially threaten operations.

Imagine an employee making an irreversible error on memorial arrangements or merchandise selections.

  • What if a fire damages facilities right before services?
  • What is your funeral home employees are faced with claims of professional negligence? 
  • What type of insurance is compulsory to help protect your business? 

We will explore these common funeral insurance concerns. 

While no funeral director welcomes more expenses, prudent insurance ensures that your business remains protected even when the grieving process brings unpredictable situations.

With over 20 years of exclusively serving funeral homes, crematories, cemeteries, and related businesses, The Allen Thomas Group boasts a team of licensed commercial insurance agents, who understand the distinctive risks death care facilities face.

We provide the much-needed pre-need insurance protection to cover your funeral home liabilities.

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Table of Contents

Critical Coverages and More Understanding About Insurance For Funeral Homes

From comforting grieving families to coordinating memorial events, funeral directors manage countless details, orchestrating final arrangements that honor lost loved ones.

You adeptly juggle emotionally delicate family dynamics, rapidly evolving religious/cultural considerations, vendor contingencies, and permanent decisions during an intensely painful time for those entrusting you to get it right.

However, despite compassionate and skilled guidance, funeral services involve substantial risks ranging from liability claims to business disruptions and workplace accidents that can financially harm facilities without proper coverage.

Let’s explore burial insurance policies that help funeral homes safeguard their business:

  • General liability
  • Professional liability
  • Commercial property
  • Commercial auto
  • Workers’ compensation
  • Umbrella coverage
  • Business Owner’s policy

Do you need all these policies or specific funeral home insurance coverage? Let’s explore.

Call it final expense policy, general liability insurance covers legal defense costs and potential settlements for 3rd party bodily injury and property damage claims stemming from funeral home premises incidents. Even safety-focused directors face risks.

Common scenarios covered include guests slipping/falling onsite, casket trucks damaging buildings during deliveries, or employee errors harming possessions owned by families making arrangements. General liability insurance can help protect your assets when found legally responsible.

Also called errors and omissions insurance (E&O), professional liability insurance coverage protects many directors & embalmers against allegations of financial harm resulting from service mistakes.

Professional liability coverage protects funeral home businesses against expensive claims connected to:

  • Releasing remains/ashes to the incorrect family
  • Serious service errors causing families emotional distress
  • Misplacing, losing, or prematurely interring bodies
  • Faulty memorial merchandise purchased, like substandard urns/caskets

E&O coverage is crucial in determining where general liability ends regarding professional service oversights – not just injury and property damage claims.

For funeral providers charged with flawless execution during an already devastating time for families, this type of burial insurance works as a safeguard. 

Transporting decedents, moving flowers between memorial sites, bringing urn deliveries to post-death gatherings – funeral homes rely on vehicles to execute a spectrum of logistics around final arrangements and remembrances. Funeral homes operate a number of vehicles, including hearses, which expose them to road accidents.

Without adequate commercial auto insurance, an at-fault accident could create substantial claims against owners’ business and personal assets. 

Our tailored coverage protects funeral home interests in the event an employee driving for work purposes causes bodily injury or property damage.

We also insure physical damage to your owned non-hearse fleet. Buying a policy to cover funeral home liabilities is easy with The Allen Thomas Group. 

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Finding the Right Funeral Home Insurance Company

Funeral Service Insurance

Operating a death care business poses unique risks, requiring guidance from specialty insurance professionals intimately familiar with the industry’s exposures.

Select an agency that provides a customized funeral home insurance program.

Besides, you should look for a provider with experience working with funeral homes to provide right insurance coverage and direct access to funeral trade underwriters for coverage fine-tuned for death care facilities. Avoid agents acting as middlemen lacking direct carrier funeral expertise.

Serves as a year-round value-added risk management partner to build comprehensive risk strategies so you have the coverage you want. Liability coverage can help protect funeral directors in safeguarding themselves from third-party allegations or family claims.

The right funeral insurance advisor combines niche sector knowledge with artful carrier negotiations to find the best life insurance quotes and secure protection aligned with an organization’s changing needs and regional norms.

Getting The Right Insurance For Your Funeral Homes

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right coverage can be and how it slows down your ability to care for the families that depend on your care.

Let us help fix it for you in 3 easy steps.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Get Precise Coverage For Your Company In Minutes

It Just Takes A Few Clicks

Our Customer Reviews

Questions to Keep in Mind Before Selecting Commercial Insurance for Funeral Homes

From facilities to transport fleets to mortuary equipment, funeral homes have immense property exposures at risk.

Fires, natural disasters, accidents, and other unpredictable losses could destroy irreplaceable buildings, vehicles, and gear essential for continuing operations.

Robust commercial property insurance covers repairing, rebuilding, or replacing insured assets damaged due to covered causes like fire, burst pipes, theft, vandalism, and wind storms.

The cost of your funeral home expenses can blow out of proportion and can be financially devastating.

Paying out of pocket to replace destroyed casket trucks or rebuild a mortuary would prove financially devastating without proper coverage.

Funeral and burial workers face ergonomic strains maneuvering decedents, infectious disease exposure, falls, accidents with mortuary equipment, and cumulative mental health trauma, contributing to workplace injury.

Carrying customized workers compensation coverage helps pay employee injury claims and facilitates medical care.

Most states require funeral businesses to carry this no-fault coverage that covers lost wages, medical expenses, healthcare, and long-term rehabilitation services tied to job-related injuries and illnesses without regard to fault.

An experienced broker structures optimal policies meeting funeral sector risks.

Funeral home insurance, also known as burial or final expense insurance, is a type of life insurance policy designed to cover end-of-life expenses such as funeral and burial costs.

It helps protect surviving family members from the financial burden of these expenses.

Yes, if your general life insurance policy has enough payout to cover your final expenses along with any other obligations you intended it for (like providing for dependents or settling debts), then you might not need specific funeral home insurance.

But remember that using your general life policy could potentially leave less money for those you leave behind.

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That allows us to find the best insurance rates for our clients.

Get A Free Quote for Funeral Home Insurance Policies From The Allen Thomas Group

As an independent insurance agency providing commercial insurance solutions for 20+ years, The Allen Thomas Group offers specialized expertise and carrier relationships to tailor packages for death care industry organizations of all types and scales. 

We provide different types of coverage and combine general liability, professional liability, tailored commercial property, commercial auto, worker’s compensation, and umbrella policies to match evolving operational and regulatory benchmarks for funeral homes.

In addition to finding the right type of policy, we provide ongoing support, right from first contact through each anniversary when updates keep protection aligned despite a change in circumstances.

Contact The Allen Thomas Group today at (440) 826-3676 to learn more about different types of life insurance policies to protect your death care business.

Get the coverage you need today with low premium.

Let us help you find the best types of insurance products for your funeral home’s protection.