When operating a funeral home, getting business insurance coverage to protect your funeral home should be top priority.
General liability insurance protects your business from financial strife of customer's legal or medical costs for injuries while on your business’s property. This will cover your legal defense and the costs associated with the loss if you are found liable, up to your policy limits.
Property damage, whether it is from fire, extreme weather conditions, or natural disasters, flood from severe rainstorm, property insurance would cover the cost of repairing or replacing your business-related property including structural damage to your building and the business materials you store there.
Workers compensation insurance is required by law in most states of the US. If an employee is injured in a work related accident, workers compensation will pay for their medical care and recovery expenses. Your business will also not be responsible for the damages or sued by your employee.
Professional Liability insurance or errors and omissions insurance, is important for funeral directors in situations where a family of a deceased person claims that their loved one’s funeral was mishandled and you have caused them financial harm due to negligence, errors or omissions.
The potential for air, surface, ground water, or soil contamination due to the toxic and corrosive impact of the embalming fluid and waste materials such as blood causes enviroment pollution. Pollution liability insurance coverage can help if you use and dispose of certain chemicals, medical waste or other pollutants.
If you have an auto accident while running an errand for work, your personal car insurance won’t cover the damages. Commercial auto insurance covers repair costs and other damages resulting from an accident involving vehicles used as part of your funeral home business.
Your funeral home provides essential services to those experiencing loss and grief. In their time of need, your clients trust you to conduct business in a sensitive, yet professional manner. Hence your exposures are not the same those of a retail shop, manufacturer or any other small business.
As you serve bereaved members of the public, you face certain risks that can have a devastating impact on your financial viability. Having the right insurance coverage can help your business grow and thrive.
Running a funeral home without insurance is taking a mighty huge risk. Our broad, tailored coverage options and enhancements are based on our deep knowledge and experience in the funeral home insurances, and specifically designed to meet the needs of our customers.
At Business Insurance Agency, we will take the time to get to know your business and assess the risks involved in your business, and can assist you with the right coverage options you need at an affordable price.
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