If you run a cemetery or crematorium, you face challenges and risks unlike any other profession. As a business with property, you have to worry about injuries and damages.
As a service to others, you have to worry about doing good work for your clients and the legal consequences if you don’t. Fortunately, the right combination of insurance policies can protect you. And we’re here to help.
Our independent insurance agents know all the ins and outs of cemetery and crematory insurance. And they know how to shop, too. Working with multiple insurance carriers, they bring way more options to the table and walk you through every single word of fine print.
Because you should understand your insurance policy just as much as they do. But first, let’s talk a bit more about the risks and coverages out there for you.
The Risks Cemeteries and Crematories Face
The scary reality of any business, is that all it can take is one on-site injury or incident of poor service to tear down all the work that you’ve built. And as a cemetery, you’re just as susceptible to fires, weather events, theft, and vandalism as any other business.
But when it comes to protecting your business, you need to have coverage specific to the risks unique to cemeteries and crematoriums. You can work with an independent insurance agent to ensure you have the tailored coverage you need.
As a cemetery owner, you need insurance coverage that includes:
- Third-party injury or property damage on cemetery premises (injuries to customers, delivery persons, vendors, or other members of the public)
- Financial harm as a result of negligence, errors, or omissions in your services
- Employee injuries
- Damage to cemetery property or equipment due to fires, hail, or other weather events, theft, or vandalism
You need a comprehensive cemetery insurance program that addresses these exposures. Your business insurance should protect your livelihood, your customers, and your employees from the financial devastation that can accompany these kinds of unforeseen events.
Talk to your agent about the following types of cemetery insurance coverage:
- Commercial general liability insurance
- Professional liability insurance
- Commercial property insurance
- Business interruption coverage
- Commercial auto insurance
- Directors and officers (D&O) liability insurance
- Workers compensation insurance
- Employee theft and crime coverage
Crematories need business insurance in the event that someone (family members, delivery people, maintenance workers, employees) is injured on the property or in case an error occurs during the cremation process.
Families may sue crematories for a variety of reasons. What if remains were improperly handled? What if you don’t deal with a deceased person’s remains according to the family’s wishes? You are exposed to lawsuits everywhere you turn.
Commercial general liability (CGL) insurance protects crematories from a wide range of potential liability claims or third-party lawsuits.
If some type of bodily injury (a delivery person slips and falls on your premises) or property damage (you fail to remove a piece of valuable jewelry from a deceased person before cremation) occurs on your premises, the injured party 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) may pay if you are sued for mistakes, oversights, or failure to deliver services as promised.
- Crematories need workers compensation insurance to protect employees from on-the-job injuries. Crematory employees work in a dangerous environment, making them susceptible to all kinds of injuries, including burns, lost limbs, slips and falls, and heavy-lifting injuries. Workers compensation insurance covers the cost of work-related injuries and illnesses, including medical bills and lost income for the injured workers.
- You need commercial auto insurance for any owned vehicles that are used to pick up and deliver remains and for any other business purposes. Commercial auto insurance provides liability, collision, comprehensive, and uninsured/underinsured motorist coverage for your commercial vehicles. Your coverage should be based on how your vehicles are used in your business and who will be driving them. If you hire or lease your business autos or if you or your employees drive personal vehicles for business purposes, you may need additional or amended coverage.
- Crematories need commercial property insurance to cover buildings and their contents. A crematory will have a significant fire exposure as well as typical property exposures such as weather events, vandalism, and theft. Commercial property insurance covers the costs of making repairs and replacing damaged or destroyed property after certain covered events.
- 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 cremation equipment and any other heavy machinery that you use in your business.
Find Cemetery and Crematory Insurance Tailored to Your Business
Cemeteries and crematories are entrusted with the remains of loved ones. These are very specialized businesses with a wide variety of exposures. Just as you may be a trusted adviser to families in their time of need, you also need a trusted partner who can help you find ways to mitigate your risks.
An independent insurance agent will get to know your business and help you find the cemetery insurance or crematory insurance that will protect your business in the worst of times.
The Benefits of an Independent Insurance Agent
Independent insurance agents are kind of like the Google of insurance quotes. You tell them what you’re looking for, and they bring in the results. And since they aren’t tied down to one carrier, they’re free to shop around and bring multiple policy options to the table.
And it gets better, you don’t have to review the policy options alone. They’ll walk you through everything you need to know about finding the right coverage, and price, for you.
But it doesn’t end with your signature. Along the way, if something bad ever happens, they’ll handle the entire claim process for you and deal with the carrier, so you can focus on your business.