Funeral directors and morticians face particular risks in their work that includes meeting with families and transportation of the deceased, preparing and embalming bodies, selling caskets, and arranging cremation, burial and memorial services. That’s why we offer custom tailored Funeral Director Insurance programs that include General Liability, Business Auto, Errors & Omissions, Property, Crime, Workers’ Compensation and more.
Funeral homes have liability risks and need protection from third-party claims and lawsuits. Lawsuits may stem from injuries that take place on funeral home premises. Slip and fall Injuries to visitors, delivery people or vendors are typical of unexpected accidents that can occur anytime. There is also a concern of environmental harm if embalming and blood removal takes place at the funeral home. If not properly disposed of, it may have toxic or corrosive impact to the environment.
The primary Workers’ Compensation risks for funeral directors are the health problems that could result from unsafe handling of embalming fluid or human blood. Workers may also be subject to cuts due to the use of sharp equipment and back injuries due to heavy lifting. Worker’s Comp pays the medical costs employees incur from injuries as well as any lost wages that result while recuperating.
Risks for funeral directors involve driving automobiles, which may include the driving of a hearse, flower car or emergency vehicle for local authorities. If funeral home employees drive their own cars for work purposes, you provide valet service at funerals, or you drive rented vehicles, consider adding a Hired and Non-Owned Auto Insurance policy, which protects cars not registered in your name or vehicles you don’t own.
Property damage risks include fire and water damage to the funeral home and its contents, including furniture and caskets. You may have a large inventory of caskets, which are typically constructed of wood and fabric and therefore susceptible to fire. Theft of embalming fluid may also be a problem, and the risk could be heightened if proper security measures are not taken. Property insurance also protects your property from damage caused by natural disasters and severe weather such as tornados, lightening, and earthquakes. Property insurance also covers your loss of income if the business cannot operate while repairs to the building are being made.
Theft. Forgery. Embezzlement. No one expects employees to steal from their business, but sadly it happens more often than employers think. The culprit is typically a trusted employee and is usually extremely trustworthy.