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Funeral home insurance helps safeguard your business as you serve the bereaved.

Funeral Home Insurance - Close-up of Woman Holding Lily Flowers While Other Hand Is Resting on a Coffin at a Funeral in a Funeral Home

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Protect your business with funeral home insurance so you can help those in mourning.

Funeral home insurance tailored for your business.

Your funeral home might be a small, family-run business. On the other hand, it might be a larger organization. Either way, your business has special insurance needs that must be addressed. There’s no one-size-fits-all policy. While there are some insurance policies that can be useful for most businesses, the work you do is vastly different from a store, restaurant, or accountant’s office. Here are some examples of risks that you might want to consider funeral home insurance for:

  • Auto Accidents
  • Bodily Injuries
  • Fire
  • Lawsuits
  • Severe Weather
  • Vandalism

Property coverage that’s relevant to your business.

It will come as no surprise that you’ll need insurance to cover not only the business property itself but also the contents. In addition to the standard office items, you also have a number of items that have a significantly higher value than other businesses. For example, you likely have coffins and other merchandise on display or for sale. You also may have expensive embalming equipment and other machinery for preparing bodies. In addition, you also should have adequate coverage for the items you take off-premises, such as chairs, tents, and other items that are used at cemeteries.

Liability coverage is a must.

There are various types of liability insurance, but there are two that are important to include in any comprehensive funeral home insurance plan. These include directors and officers liability (D&O) and professional liability insurance. D&O provides protection for funeral directors, board members, and other decision-makers in the event they are sued for decisions they make regarding employment decisions, property maintenance, financial decisions, and more. Professional liability insurance coverage is beneficial in defending claims that your funeral home has caused harm due to negligence or errors. In both cases, even unfounded cases must be defended, which can get costly. In addition, it may help pay for damages that may be awarded.

Funeral homes have other insurance needs too.

Funeral homes can have high foot traffic. There are many people coming into the building and there is always a risk that someone could trip and fall. For instance, one small crack on the surface of your parking lot could lead to injury and a lawsuit. General liability protects you in such cases. Similarly, business auto insurance is essential for any funeral home that needs to transport bodies or use vehicles for business purposes, whether they are owned by the business or belong to employees.

Basic policies for other business risks are available.

Although there are many policies that are specifically needed for a robust funeral home insurance package, there are also policies that most businesses can benefit from to be considered. Cyber liability insurance can provide protection in case of a data breach. Workers’ compensation insurance provides for the needs of employees who are injured on the job. Employment practice liability, business interruption, and pollution insurance are all policies that may also be beneficial to you.

To review your funeral home insurance needs and to learn more about how we can help, contact us to get started.

Find Your Coverage

We’re here to help you explore your coverage options.

Request Quote

Contact One Street Insurance Group

Our Aurora, CO Office

1010 South Joliet Street
Suite 200
Aurora, CO 80012

Email Us
 303-577-9922 fax

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Funeral Home Insurance Quote Request

Application information

Current Address
Own or Rent?
Date of Birth

Co-Applicant Information

Date of Birth

Other Drivers

Driver #1

Date of Birth

If current student, please answer:

Driver #2

Date of Birth

If current student, please answer:


Vehicle #1

Vehicle #2

Vehicle #3

Vehicle #4

Vehicle #5

Do you have custom equipment?



Home Information

Do you have a declaration page you can send us?
Is the property currently insured?
Is this a new purchase?

Property Information:

Central Alarm:
Pool/Hot Tub:
Do you have a dog?
Bite History?

A few final questions about other services we offer.

Umbrella Insurance:

In short, Umbrella Insurance protects you when the limits of your auto, homeowners, or other personal liability insurance policies are exhausted and you face potential lawsuits and/or millions of dollars of damages. Umbrella Insurance Policies provide coverage for bodily injury and property as well as things your regular policies don’t normally cover.
Would you like more information about umbrella coverage?

Life Insurance:

Life Insurance, quite simply, is an insurance policy that pays a beneficiary or beneficiaries of your choosing in the unfortunate event of your death. Unlike most insurance policies, you may never see the benefits of the policy but the people you care about and rely on you surely will.
Are you interested in a life insurance quote or current policy review?

Commercial Insurance:

If you own your own business we would love the opportunity to insure that as well. We have the ability to insure most business types, have several companies that we work with and offer most policy types.
Would you be interested in a commercial insurance quote?
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 303-577-9998 or email us.

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