Facilities and property
Review buildings, furnishings, preparation equipment and property belonging to others. Compare values, covered causes of loss and any restrictions for property in the business’s care.
Business insurance
Funeral home insurance
Funeral homes may operate facilities, professional services and specialized vehicles. Each activity calls for a careful review of the policy wording.
Understanding your options
What to know about funeral home insurance
A funeral service business may need to compare coverage for its premises, professional services, property in its care and business vehicles. General liability does not necessarily address allegations arising from professional services.
What to compare
- Describe funeral, memorial and transportation services accurately.
- Review property owned by others and items in the business’s care.
- Compare general and professional liability, including exclusions and defense terms.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
How to compare your options
Professional services and premises
General liability generally addresses certain third-party injury or property damage claims; allegations involving services may require different terms. Review professional liability, defense costs and exclusions for the activities actually performed.
Vehicles and continuity
Identify hearses, vans and other vehicles and how staff use them. Ask separately about physical damage, business income and extra expenses following an insured property loss.
Before you reach out
A few details can help start the conversation.
- A high-level description of services
- Texas locations and types of vehicles used
- Questions about premises, professional services and property
Common questions
Funeral home insurance FAQ
Does general liability cover every professional-services claim?
No. General and professional liability address different exposures. Read both sets of terms and exclusions.
Are vehicles automatically included with building coverage?
Do not assume so. Review commercial auto liability and physical damage for each vehicle and its use.
How is property belonging to families treated?
Ask how property of others in the business’s care is defined, whether it is covered and which limits or exclusions apply.
Is loss of income covered after any closure?
Not necessarily. Business income coverage may require physical damage caused by a covered peril and may have other conditions.
Start a conversation
Ask about funeral home insurance.
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.