Funeral home insurance provided by Insurance Incorporated.

Funeral homes are unique businesses that face unique risks. You’ll need a business insurance policy for funeral homes, which is specifically geared toward keeping a variety of risks covered during a loss. Your community trusts you with their final goodbyes, protect yourself to keep your business alive.

Protection for service-oriented businesses.

Operating a funeral home business comes with its own set of protective policies specifically geared toward keeping a variety of risks covered during a loss. Our funeral home insurance policies are custom to your needs, many of which include:

What liability can do for your business.

General liability insurance can protect you from claims in which you or your business may have caused bodily injury or property damage to someone else. If a client slips and falls due to your forgetting to leave a wet floor sign on the recently mopped floors, liability insurance could provide a defense in court. General liability can also provide coverage for the pain and suffering a victim may have experienced.

The importance of protecting your property.

Many funeral homes keep an inventory of property like caskets and urns. This type of inventory can cost hundreds of thousands of dollars to replace in the event of a loss. Business personal property coverage can provide the amount you need to replace the equipment and inventory you need to keep your funeral home in operation.

Protect the risks you face during body transport.

Long-distance body transport and emergency body pickup are one of many services a funeral home will provide to their clientele. This type of service opens up commercial auto liability exposure. Any time a vehicle is being used for business, a commercial auto insurance policy is needed to provide coverage to the business in the event someone is in an auto accident.

You depend on your employees just as they depend on you.

Any funeral home with one or more employees is required to carry workers’ compensation insurance, depending on the state. The chance of bodily fluid contamination in this particular industry is high due to the number of bodies that are handled during embalming operations. It’s important employees wear protective gear since this can prevent contamination, cuts, and injuries that can occur. Workers’ compensation can provide coverage for lost wages or medical bills an employee acquires in the event they are injured.

Don’t close the door on your business. Let us help you assess your business risks, to customize a policy for ultimate protection. Contact us to get started.

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As an independent agency, we are here to help you find the right Funeral Home Insurance coverage.