Looking for Funeral Services Insurance?
Protect your funeral home from professional errors, liability claims, property damage, and regulatory issues. Harper provides insurance for funeral directors, mortuaries, and full-service funeral providers, with fast certificates for licensing boards, cemeteries, and service partners.
What is Funeral Services Insurance?
Funeral services insurance protects funeral homes and death care providers from risks tied to service delivery, remains handling, family disputes, property damage, and regulatory oversight. Coverage commonly includes professional liability for service-related errors, general liability for facility operations, property insurance for buildings and equipment, and commercial auto for hearses and transport vehicles. State regulators and partner facilities typically require proof of insurance before licensing or continued operation.
Professional Liability
Covers claims arising from errors in funeral services, embalming, identification, documentation, or remains handling.
General & Facility Liability
Protects against injuries to visitors, family members, or vendors on your premises.
Property Protection
Covers funeral homes, chapels, preparation rooms, refrigeration units, and essential equipment from fire, theft, or damage.
Commercial Auto Coverage
Covers hearses, removal vehicles, and service transportation used in funeral operations.
Certificates
Fast proof of insurance for regulators, cemeteries, crematories, and service partners.
Who Needs Funeral Services Insurance?
- Funeral homes : Businesses requiring specialized insurance coverage
- Funeral directors : Businesses requiring specialized insurance coverage
- Mortuaries : Businesses requiring specialized insurance coverage
- Memorial service providers : Businesses requiring specialized insurance coverage
Why Harper?
Death Care & Funeral Services Expertise
Harper understands the highly regulated and sensitive nature of funeral service operations. Coverage is structured to address professional exposure, documentation standards, and family-facing risk.
Fast Proof for Licensing & Partnerships
State regulators, cemeteries, and service partners often require certificates quickly. Harper delivers accurate documentation to avoid licensing or service interruptions.
Clear, Practical Guidance
We explain professional liability, property coverage, and vehicle insurance in straightforward terms so funeral home operators know where protection applies.
Coverage Matched to Your Services
Whether you offer traditional funerals, cremation services, memorial planning, or pre-need arrangements, Harper aligns coverage with how you operate.
Frequently Asked Questions
What insurance do funeral homes need?
Most funeral homes need professional liability for service errors, general liability for facility operations, property coverage for buildings and equipment, and commercial auto for hearses or removal vehicles. Workers compensation is required if you have employees.
Is funeral services insurance required?
Yes. State regulators typically require liability coverage to issue or renew funeral home licenses. Lenders and landlords often require property insurance as well.
How much does funeral services insurance cost?
Smaller funeral homes often pay $5,000–$12,000 annually. Larger operations or facilities with multiple locations may range from $12,000–$30,000+ depending on services and property size.
Does insurance cover embalming or preparation errors?
Professional liability coverage may apply to claims arising from embalming or preparation errors when services are performed within licensing requirements and documented protocols.
Does insurance cover remains identification or handling errors?
Yes. Professional liability can apply to claims related to misidentification or improper handling of remains when procedures were followed in good faith.
Can I add cemeteries or partner facilities as additional insureds?
Yes. Cemetery or crematory partnerships often require being added as additional insureds. Harper handles certificates and endorsements for service agreements.