Entombment in a mausoleum is considered an alternative form of traditional underground burial, where the body is stored in a mausoleum instead of underground. Bodies are stored above ground in a defined space in the mausoleum, called a crypt.
Mausoleum owners face very unique challenges and risks that can undermine their financial success. Unfortunately just one on-site injury or incident of poor service can have the opposite threaten all that you’ve built.
As a business owner, you need comprehensive mausoleum service insurance designed for your specific business. You can work with an independent insurance agent to ensure you have the tailored business insurance you need.
Why Do You Need Mausoleum Service Insurance?
Mausoleums are often considered to be a cleaner and drier burial option than a traditional underground burial. They often appeal to people who do not want to be cremated or who are apprehensive about being buried underground.
Mausoleums are buildings where people can comfortably visit their deceased loved ones year round. What’s more, the crypts are protected from damage by inclement weather. But that doesn’t mean that problems can’t arise.
Unlike outdoor burial sites, mausoleums can be damaged by fire, smoke, water, and vandalism that can damage not only individual crypts, but the entire mausoleum structure. And worse, in rare cases the remains themselves can explode due to a buildup of gases during decomposition, damaging the casket, crypt, and even other nearby crypts and remains.
As a mausoleum owner, you need insurance protection from certain exposures, such as these below.
- Damage to the mausoleum, crypts, and remains on your property
- Claims of third party injury or property damage on cemetery premises (injuries to customers, delivery persons, vendors, or other members of the general public)
- Causing physical or financial harm as a result of negligence, errors, or omissions in your services
- Employee injuries
- Damage to your own property or equipment due to fires, hail or other weather events, theft, or vandalism
You need a comprehensive business 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.
What Does Mausoleum Service Insurance Cover?
Mausoleum service insurance is made up of a variety of business insurance policies that cover your unique property and liability risks. Talk to an independent insurance agent about your need for the following types of coverage.
- Commercial general liability insurance: This protects mausoleums from a wide range of potential liability claims or lawsuits by third parties. If some type of bodily injury (a mourner slips and falls on your premises) or third-party property damage occurs on your premises, the injured party — customer, vendor, delivery person, etc. — can sue you for the damage. 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: This may cover you if you are sued for mistakes, oversights, or failure to deliver services as promised.
- Commercial property insurance: This covers any buildings on your premises as well as their contents. This includes the mausoleums themselves, benches, artwork, and so on, as well as your offices, maintenance sheds, or groundskeeping tools and equipment. Your property insurance reimburses you for the costs of making repairs and replacing damaged or destroyed property after certain covered events.
- Business interruption insurance: This provides 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.
- Commercial auto insurance: This covers any owned vehicles that are used by your mausoleum. 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.
- Directors and officers (D&O) liability insurance: This protects specific decision-makers (e.g., a board of directors or advisory committee) from legal judgments and costs arising from certain behaviors or decisions that they make. Without this coverage, these individuals’ personal assets could be at stake if they are sued for unlawful acts, erroneous investment decisions, failure to maintain property, releasing confidential information, hiring and firing decisions, conflicts of interest, and gross negligence.
- Workers’ compensation insurance: This protects employees from on-the-job injuries. Workers’ compensation insurance covers the cost of work-related injuries and illnesses, including medical bills and lost income for the injured workers.
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How Much Does Mausoleum Service Insurance Cost?
Mausoleum service insurance costs will vary depending on the size of your business, the number of employees you have, and the value of your commercial property. Other factors such as the crime and weather risk in your area, and more, also impact the cost of business insurance.
An independent agent who has experience working with mausoleums can help you decide the types and amounts of coverage you need for your business. The choices you make will determine your cost of coverage.
Find and Compare Quotes
An independent agent can work with you one-on-one to determine the types and amounts of coverage you need. Your agent can get quotes from multiple insurance companies so you can evaluate the cost and coverage options and make the best choice.
Benefits of an Independent Agent
Our agents simplify the search process for finding the right mausoleum service insurance. They’ll walk you through the handpicked policy options and explain the details.
Most importantly, they’ll 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.
The Lowdown on Online Quotes
Online quotes can be tempting. They are fast and easy to get — but are they accurate? And are you getting quotes for the right coverage? For business owners, choosing speed over accuracy can cost you.
Online quotes can’t and don’t see the whole picture. They can omit important coverage that will leave you devastated if something unexpected happens. And they can leave out cost-saving opportunities that an agent can help you take advantage of.
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.
TrustedChoice.com Article | Reviewed by Paul Martin
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