Cemetery Management Services Insurance

What You Need to Know About Cemetery Management Services Insurance

Business insurance 101 for your industry

Colleagues at the funeral home. Find cemetery management services insurance.

Cemetery management services help cemeteries manage their day-to-day tasks, maintenance, and even burials and internments.

You face many of the same risks as the cemetery owner. Unfortunately, just one onsite injury or incident of poor service can have a devastating impact on your business.

You need comprehensive business insurance designed for your specific needs. You can work with an independent insurance agent to ensure that you find tailored cemetery management services insurance.

Why Do You Need Cemetery Management Services Insurance?

Cemetery management services perform a wide variety of services for cemetery owners. These services may include mapping out plots, managing burials and internments, cemetery landscape and headstone maintenance, record keeping, and even sales.

While the cemetery owner is your client, you face all of the risks associated with working on the cemetery property and dealing with cemetery customers on a daily basis and during their most difficult days.

You need cemetery management services insurance to protect you from certain risks such as the following. 

  • Claims that your employees, your equipment, or your work has caused a third party injury or property damage on the cemetery premises (injuries to customers, delivery persons, vendors, or other members of the general public)
  • Causing financial harm as a result of negligence, errors, or omissions in your services to the cemetery owner or its customers
  • Employee injuries
  • Damage to your property or equipment due to fires, hail or other weather events, theft, or vandalism

You need a comprehensive cemetery management services insurance program that addresses these exposures.

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What Kinds of Liability Insurance Do You Need?

You need several types of liability insurance to protect you from the costs associated with lawsuits.

  • Commercial general liability (CGL) insurance: Protects cemetery management services from a wide range of potential liability claims or lawsuits by third parties. If some type of bodily injury or property damage occurs as a result of your work, the injured party—cemetery owner, cemetery customer, vendor, delivery person, etc.—can sue you for damages. CGL insurance covers costs related to these lawsuits, including legal fees, settlements or judgments, and court costs. It also covers claims of advertising liability, slander, and libel.
  • Professional liability insurance (or errors and omissions insurance): Covers you if you are sued for mistakes, oversights, or failure to deliver services as promised.
  • Cyber liability insurance: Protects you from the risks associated with cyberattacks, data breaches, viruses, and other cyber-related issues.
  • Environmental liability insurance: Covers a variety of pollution events that you may be responsible for if you provide landscaping and general maintenance services for your cemetery clients.
  • Commercial auto insurance: Covers you if an accident or other vehicle damage occurs. Commercial auto insurance provides coverage for property damage and bodily injury liability claims, vehicle damage, and medical bills, as well as any costs related to lawsuits due to auto accidents involving your vehicle fleet as they transport your products from place to place.
  • Commercial umbrella insurance: Provides an extra layer of liability protection to any of several other policies you might have. It kicks in when the limits of your other applicable insurance policies have been exhausted, protecting you in the event that a claim exceeds the amount of coverage available from any other applicable policy.

An independent insurance agent can help you customize these policies for your unique needs.

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What Kinds of Property Insurance Do You need?

You need commercial property insurance to cover buildings and their contents (your office, garage, warehouse, etc. and all of your business-owned “stuff”). It covers the costs of making repairs and replacing damaged or destroyed property after events like fires, smoke, theft, or vandalism.

In addition, you will need business interruption insurance to provide coverage for business expenses and lost income if you are forced to temporarily close your doors to make repairs after some type of covered loss.

Be sure to talk to your independent insurance agent about any special coverage you might need for any landscaping, excavating, or other types of heavy machinery that you use in your business.

Why Do You Need Workers’ Compensation Insurance?

You need workers’ compensation insurance to protect employees from on-the-job injuries. It covers the cost of work-related injuries and illnesses, including medical bills and lost income for the injured workers.

How Much Does Cemetery Management Services Insurance Cost?

The cost of cemetery management service insurance depends on the size of your business, the number of employees you have, and the value of your commercial property.

Other factors come into play, as well. The types and amounts of coverage you need to adequately cover your risks will dictate the cost of your cemetery management services insurance.

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Benefits of an Independent Agent

An independent insurance agent who has experience working with cemetery management services and other similar businesses can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Find and Compare Quotes for Cemetery Management Services Insurance

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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TrustedChoice.com Article | Reviewed by Paul Martin

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