Coverage for the responsibilities that come with serving families.

Funeral homes have a combination of property, vehicle, employee and professional exposures that require more than a basic business policy. Formula Insurance Agency helps review the operation as a whole and identify coverage gaps before a claim happens.

Request a Funeral Home Quote Call 888-778-4987

Serving funeral homes in Massachusetts, Rhode Island, Connecticut, New York & New Jersey.

What we review

Funeral home insurance has several moving parts.

The right program depends on your building, chapel and preparation areas, vehicles, employees, embalming operations, professional services and any cremation or transport exposures.

Already insured?
Send us your current policies and renewal information. We can review what you have and identify areas worth discussing.

Businessowners / PackageProperty and liability coverage for eligible funeral home operations.

Professional LiabilityCoverage considerations for claims involving alleged errors or omissions in professional services.

Workers CompensationCoverage for work-related employee injuries and occupational exposures.

Commercial AutoFor hearses, removal vehicles and other autos used in the business.

Property & EquipmentCoverage for eligible buildings, contents, specialized equipment and business property.

Umbrella / ExcessAdditional liability limits over eligible underlying policies.

Employment Practices LiabilityCoverage for certain employee-related allegations such as discrimination, harassment or retaliation.

Cyber LiabilityCoverage considerations for systems, payment information, records and cyber incidents.

Why the right coverage matters

Some funeral home risks are easy to overlook.

These are a few of the exposures we look for when reviewing a funeral home account.

Employee SafetyEmbalming can involve formaldehyde exposure, while removals and transfers can involve heavy lifting. OSHA specifically addresses both hazards in funeral home operations.

Professional LiabilityErrors involving arrangements, documentation, handling of remains or other professional services can create claims that a standard general liability policy may not address.

Commercial AutoHearses and removal vehicles are on the road as part of normal operations, creating an exposure that needs the right auto limits and vehicle classifications.

Business InterruptionA fire, water loss or equipment problem can affect the ability to serve families even while repairs are underway.

Employment PracticesHiring, scheduling, discipline and termination decisions can create employment-related allegations even for smaller employers.

Cyber & PrivacyFuneral homes may hold personal, payment and family information. A cyber incident can create both recovery costs and liability concerns.

Sources: U.S. Occupational Safety and Health Administration guidance on formaldehyde and ergonomic hazards in funeral home operations; CDC/NIOSH guidance identifying funeral home employees among workers commonly exposed to formaldehyde.

How it works

A simple review from quote to renewal.

Tell us about the funeral home

Share your locations, vehicles, payroll, services and current insurance information.

We review the exposures

We look at the operation and current coverage to determine which markets and coverage options make sense to pursue.

Compare the options

We explain the differences in coverage and pricing so you can make an informed decision.

What helps us quote

Start with the basics.

We typically need your business name and locations, description of operations, annual sales, payroll, number of employees, vehicle information, current carrier and renewal date.

You do not need every document ready before contacting us.

Start with what you have. If applications, loss runs, driver information or policy documents are needed, we can tell you what to gather next.

Coverage availability, eligibility and terms vary by carrier and jurisdiction.

Request a funeral home quote

Let’s review your funeral home insurance.

Request a quote online or call us directly. We can also review your current policies before renewal.

Request a Quote Call 888-778-4987