Looking for Crematories Insurance?
Protect your crematory from operational errors, regulatory claims, equipment damage, and liability exposure. Harper provides insurance for human and pet crematories, funeral home facilities, and independent cremation providers, with fast certificates for regulators, landlords, and partner funeral homes.
What is Crematories Insurance?
Crematories insurance protects cremation facilities from risks such as remains, identification errors, equipment breakdown, regulatory claims, and facility-related liability. Coverage commonly includes professional liability, general liability, and property or equipment protection. State regulators, landlords, and partnering funeral homes often require proof of insurance before licensing, leasing, or service agreements.
Professional Liability
Coverage for claims related to cremation errors, identification issues, or improper handling of remains.
Equipment Protection
Covers cremation retorts, processing equipment, ventilation systems, and other essential machinery.
Facility Liability Coverage
Protects against property damage, visitor injuries, and operational incidents at the crematory location.
Certificates
Fast proof of insurance for regulators, landlords, and funeral home partners.
Who Needs Crematories Insurance?
- Human cremation facilities : Businesses requiring specialized insurance coverage
- Pet cremation service providers : Businesses requiring specialized insurance coverage
- Funeral homes with on-site crematories : Businesses requiring specialized insurance coverage
- Independent cremation operators : Businesses requiring specialized insurance coverage
Why Harper?
Cremation & Deathcare Expertise
Crematory operations require precision, documentation, and regulatory compliance. Harper understands the sensitivities and risks involved: from identification protocols and equipment reliability to regulatory oversight and places coverage built specifically for cremation services.
Fast Proof for Licensing & Partnerships
State regulators and funeral home partners often require proof of insurance before approving licenses or service agreements. Harper delivers accurate certificates quickly and assists with additional insured requirements to keep operations compliant.
Clear, Practical Guidance
We explain professional liability, equipment coverage, and regulatory considerations in clear terms so you understand how coverage protects your facility, processes, and reputation.
Coverage Matched to Your Services
Whether you operate a human crematory, pet cremation service, or a combined facility, Harper helps align coverage with your volume, equipment, and service model.
Frequently Asked Questions
What insurance do crematories need?
Most crematories require professional liability coverage for operational or identification errors, general liability coverage for facility-related injuries, and property or equipment coverage for cremation machinery. Pollution liability may apply due to emissions or waste handling, and workers' compensation is required if you have employees.
Is crematory insurance required?
Yes. State regulators typically require liability insurance as part of crematory licensing. Landlords and funeral home partners often require proof of property and liability coverage before leasing facilities or entering service agreements.
How much does crematory insurance cost?
Costs vary by service type, volume, and equipment. Small pet crematories may pay $2,000–$5,000 annually, while human cremation facilities often range from $5,000 to $15,000 or more, depending on operations and throughput.
Does insurance cover identification or handling errors?
Professional liability coverage may apply to claims involving errors in identifying remains or mishandling when established procedures were followed, subject to the policy terms.
Does insurance cover equipment breakdown?
Yes. Property and equipment breakdown coverage can protect cremation retorts and essential machinery from mechanical or electrical failures.
Can I add funeral homes as additional insureds?
Yes. Partner funeral homes may require being added as additional insureds. Harper assists with certificates and endorsements to meet service agreement requirements.