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Insurance for Your Funeral Home

Comprehensive insurance is vital to the success of the unique aspects of a funeral business, protecting it from a variety of losses including fires, injuries, and lawsuits. Merchants Insurance Group can help make sure your business is protected with the proper insurance to help you succeed.

General Liability (GL) Insurance

Helps protect your business from claims involving bodily injury and third-party property damage, for example, if a customer slips and falls while at your funeral home or if a customer’s personal property is damaged while it is at your funeral home. Merchants has liability coverages available to help protect your funeral home such as:

Employment Practices Liability (EPL) (Not available in Vermont)

EPL coverage protects you against claims of discrimination, sexual harassment and wrongful termination.

Professional Liability

Provides coverage for rendering or failing to render funeral director’s professional services in connection with your business.

Employee Benefits Liability

Provides coverage for damages resulting from negligent acts, errors or omissions relating to administration of your employee benefits program.

Cyber Liability Coverage (Not available in Vermont)

This optional coverage provides comprehensive data security and privacy coverage that addresses both first party losses and third party liability claims, expert claims handling and breach response services in the event of a suspected breach, and a risk management website which provides information, guidelines and tools to help mitigate risk before a breach occurs.

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Hired Auto and Non-Owned Auto Liability Coverage

Provides liability coverage for autos used in your business that are leased, hired or borrowed. (Available when you do not have a separate Commercial Automobile policy.)

Commercial Property Insurance

Building and Business Personal Property Coverage protects you against loss to your physical assets such as your building, its contents, and your equipment. Merchants has property coverages available to help protect your funeral home such as:

Equipment Breakdown

Equipment Breakdown coverage responds to the cost of repairing or replacing mechanical, electrical or pressure systems equipment that suffers a breakdown. Covered property can include air conditioning, emergency generators, and communications equipment.

Business Income and Extra Expense

Provides reimbursement of net lost business income and continuing normal operating expenses due to the suspension of your business operations from a covered loss.

Computer Coverage

Protects against loss or damage to computers from a covered loss. Coverage includes Data Restoration that will restore electronic data destroyed or corrupted by a covered loss.

Valuable Papers and Records

Coverage is included for the replacement of valuable papers, records and forms, including electronic media. This coverage is limited to the cost of recreating or restoring the lost or damaged documents.

Outdoor Signs

Coverage applies to your outdoor signs, whether or not they are attached to buildings that are within 1,000 feet of the described premises and are damaged by a covered loss.

Employee Dishonesty

Covers loss due to theft committed by your employees.

Water Backup and Sump Overflow

Provides coverage resulting from water which backs up through sewers or drains or which overflows from a sump pump.

Money saving discounts for:

  • Protective devices for fire and burglar alarms
  • Automatic sprinkler systems
  • Multiple policies with Merchants Insurance Group
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