If you run a funeral home, your business is likely family-run and unlike any other small business. Families place their trust in you at the worst of times. By serving bereaved clients, you face certain risks that could devastate you financially. Potentially unwelcome developments in your day-to-day operations include slips and falls, weather events, fire, theft, employee injuries and more. Which is why you need to protect yourself with comprehensive funeral home insurance and Funeral Directors insurance.
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As any business with a physical location, funeral homes have the risk of bodily injury taking place on the property. With the transportation funeral homes do, there is also the potential risk of causing to property such as a casket or urn. Funeral homes may have additional exposures such as pollution if they dispose of chemicals or other potential pollutants.
Commercial General Liability, Professional Liability and Commercial Property insurance would be recommended for a funeral home. Directors and Officers Liability Insurance would be important for those employees who are making important decisions (e.g. Board of Directors). Commercial Automobile insurance would also be needed for the vehicles used in relation to the business.
A typical Commercial General Insurance policy will exclude Pollution Liability; however, sometimes it can be added as an endorsement on the policy for an additional cost. In some cases, you may actually require a separate policy to provide the Pollution Liability coverage.
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