Funeral Homes & Deathcare
The funeral industry carries unique responsibilities, risks, and regulations. We design coverage that protects your business, staff, and the families you serve with the care and respect this work requires.
Coverage With Care for Funeral Homes
Funeral homes carry enormous responsibility, both emotional and operational. You need coverage that leaves nothing to chance. We offer specialized policies built for the risks and responsibilities that come with running a deathcare business.
Professional Liability (E&O)
Families trust you with life’s most important moments, and even unintentional mistakes—like a mix-up with remains or a scheduling error—can have big consequences. E&O coverage protects your funeral home if a family claims your professional services fell short.
Business Auto
If your business owns hearses, limousines, or transport vans, this covers accidents, injuries, or damage when they’re used for work.
General Liability
Your go-to for accidents, injuries, or property damage tied to your business operations—every funeral home needs this one.
Commercial Property
Protects your building, embalming equipment, furniture, fixtures, and other business property—inside or out—if it’s damaged by fire, storms, or other covered events.
Directors & Officers Liability
Protects the owners and decision-makers if they’re personally sued over business decisions—even the tough calls.
Workers' Comp
If an employee gets hurt on the job, this covers their medical bills and lost wages so you’re not paying out of pocket. Mandatory in all states except Texas.
Umbrella Liability
Adds an extra layer of protection if a big claim goes over your regular policy limits, so one lawsuit doesn’t sink the whole ship.
Not sure which coverages you need?
Get a personalized coverage assessment