Looking for Death Services Insurance?
Protect your death care business from professional errors, liability claims, property damage, and regulatory exposure. Harper provides insurance for funeral homes, embalmers, death doulas, and end-of-life service providers, with fast certificates for regulators, facilities, and service partners.
What is Death Services Insurance?
Death services insurance protects funeral and end-of-life professionals from risks such as professional errors, remains handling issues, family disputes, property damage, and regulatory compliance exposure. Coverage commonly includes professional liability, general liability, and property protection. State regulators, facilities, and partner organizations often require proof of insurance before licensing or entering service agreements.
Professional Liability
Coverage for claims related to errors in funeral services, embalming, coordination of end-of-life care, or handling of remains.
Facility Protection
Covers funeral homes, chapels, preparation rooms, equipment, and other property used in death care services.
Service Liability
Protects against claims arising from service delivery issues, regulatory complaints, or disputes with families.
Certificates
Fast proof of insurance for regulators, facilities, and service partners.
Who Needs Death Services Insurance?
- Funeral homes : Businesses requiring specialized insurance coverage
- Embalmers and preparation professionals : Businesses requiring specialized insurance coverage
- Death doulas : Businesses requiring specialized insurance coverage
- End-of-life and bereavement service providers : Businesses requiring specialized insurance coverage
Why Harper?
Death Care & End-of-Life Expertise
Death services involve sensitive interactions, strict regulations, and detailed procedural requirements. Harper understands the risks tied to professional conduct, documentation, remains handling, and family expectations, and places coverage designed specifically for death care professionals.
Fast Proof for Licensing & Facility Agreements
State regulators and facilities often require insurance documentation before approving licenses or service relationships. Harper delivers accurate certificates quickly and assists with additional insured requests to support compliance and continuity of care.
Clear, Practical Guidance
We explain professional liability, general liability, and regulatory considerations in clear terms so you understand how coverage protects your services, facilities, and professional reputation.
Coverage Matched to Your Services
Whether you provide funeral directing, embalming, death doula services, or end-of-life coordination, Harper helps align coverage with how you serve families and facilities.
Frequently Asked Questions
What insurance do death service providers need?
Most providers need professional liability insurance to protect against service-related errors, general liability for facility operations or client visits, and property coverage for equipment and preparation areas. Workers compensation is required in most states if you have employees.
Is death services insurance required?
Yes. State regulators typically require liability coverage as part of funeral home licensing. Facilities and partner organizations often require proof of property and liability insurance before entering service agreements.
How much does death services insurance cost?
Costs vary by role and facility type. Death doulas and independent providers may pay $500–$1,500 annually, while funeral homes and full-service facilities often range from $3,000 to $10,000 or more depending on services and property.
Does insurance cover embalming or preparation errors?
Professional liability coverage may apply to claims involving embalming errors or preparation mistakes when established procedures were followed, subject to policy terms.
Does insurance cover family disputes or complaints?
Professional liability can respond to claims arising from alleged service errors, contractual disputes, or regulatory complaints related to professional conduct.
Can I add facilities as additional insureds?
Yes. Partner facilities or service locations may require being added as additional insureds. Harper assists with certificates and endorsements to meet service agreement requirements.