Insurance for funeral homes.

Funeral director professional liability for mishandling of remains, commercial auto for hearses and limousines, general liability, property, and workers’ comp.

What funeral homes usually carry

General liability, $1M / $2M
Funeral director professional liability
Commercial auto, hearses and limousines
Property and chapel
Workers’ comp
Umbrella

Watch for these in a funeral home policy

Mishandling of remainsA wrong body at a viewing, a cremation mix-up, or damage to remains brings a claim for the family’s distress, not for property. Funeral director professional liability is what answers.
ProcessionsFuneral processions bring intersection accidents. Check that your auto policy covers lead cars and any hired or volunteer drivers.
Crematory operationsRunning a crematory is often rated as its own class, with separate professional and pollution questions. Tell us if you cremate on site or send out.
Third-party removalsRemoval services you hire handle remains on your behalf. Get their certificate, since a mishandling claim will name you too.
Staff injuriesLifting bodies and caskets, plus formaldehyde and pathogen exposure in the prep room, all land on workers’ comp. On-call and part-time staff count too.

What cemeteries and churches ask funeral homes for

Additional insuredCemeteries and churches ask to be named for services on their grounds.
Hold harmlessCemetery agreements often ask you to indemnify them for your staff’s work at the graveside.
Liability limitsMany ask for $1M per occurrence, and larger cemeteries may ask for an umbrella.

Questions funeral homes ask

Straight answers.

The questions we hear most, answered plainly.

Does general liability cover a mix-up with remains?

Usually not. Many general liability policies exclude professional services, and remains are usually not treated as property. Funeral director professional liability is written for it.

Do hearses and lead cars need commercial auto?

Yes. Hearses, lead cars, and family limousines are business vehicles and belong on commercial auto. Tell us about every driver, including part-time and hired ones.

How is funeral home insurance priced?

Usually on the number of calls you handle a year, your vehicles, whether you cremate, the size of your building, and your claims.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Personal and pet services

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Hair salons

General liability, $1M / $2M, Professional liability, Property and salon equipment

Barbershops

General liability, $1M / $2M, Barber professional liability, Property and barber chairs

Nail salons

General liability, $1M / $2M, Professional liability, Property and pedicure chairs

Tattoo shops

General liability, $1M / $2M, Tattoo professional liability, Property and equipment

Day spas

General liability, $1M / $2M, Professional liability, Abuse and molestation

Dry cleaners

General liability, $1M / $2M, Bailee customers coverage, Pollution liability

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