Mortuary and Funeral Home Insurance

Let’s Talk About Protecting Your Funeral Service Business

In the funeral industry, you face emotional situations every day. You don’t need worries about insuring your funeral home distracting you. That’s where we can help. We can take your business insurance concerns and create a funeral home insurance policy that meets the exact needs of your business so you can focus on serving your customers in their most important time of need.

Learn More About Mortuary Insurance

Here are some common concerns shared by funeral directors and ways that insurance for funeral service providers can help, along with some ways we can partner to protect your business.

We can also provided you with a checklist you can use when you talk to us.

When you're ready to speak to an agent 480-812-8400

Funeral Home Quick Facts

Having more information makes you better prepared.

Did you know? We are able to cover your Hearses and Limousines as a part of your Package

If you accidentally cremate jewelry the family wanted to keep, we can cover the cost of the lost item.
We can include coverage for your lawn equipment under the building coverage on your policy, saving you money.
If your main casket supplier suffers a loss, we can pay for the income you lose as a result.
If you’re sued for failure to honor the final wishes of the deceased, we can pay any defense costs you face.
If life insurance policies used as payment to you are lost or damaged, we offer accounts receivable coverage to reimburse you.
The peak time for structure fires in funeral properties is between 10 a.m. and 1 p.m.
– National Funeral Directors Association
On average, there are 73 funeral home fires a year, resulting in $3.9 million in losses.
– National Funeral Directors Association
22% of direct property damage results from fires that begin in attics, concealed spaces and ceilings.
– National Funeral Directors Association
10% of all funeral home fires are a result of arson.
– National Funeral Directors Association
If you do not have the proper amount of coverage on your building, equipment and contents, you could end up paying part of a claim out of your company’s profits. We can assure you have the proper amount of coverage for your business.
89% of the funeral homes in the U.S. are owned by individuals, families or closely held private corporations and average 66 years in business.
– National Funeral Directors Association
The average funeral home handles approximately 182 calls per year, so ensuring that a loss resulting from your phone and other utility services being compromised is extremely important to your business.
– National Funeral Directors Association
The average cost of a funeral, as of July 2004, is approximately $6,500.
– National Funeral Directors Association

Your worries	The solutions
What you think about	How you can help yourself	How We can help
Mistakes can happen – from body misdelivery to an issue with burial permits to a staff member mishandling an emotional situation.	Regular employee soft-skills training sessions	Funeral Directors' Professional Liability Coverage
Since funerals can have large groups of people attending them, how can I protect myself against slips and falls or accidents at the grave site or in my funeral home?	Funeral Home Safety Bulletin Online Safety Courses	General Liability Coverage Medical Payments Coverage
Vehicles are used in funeral processions and in transporting the deceased. What do I need to protect my business?	Fleet Accident Procedures Safety Bulletin Driver Distraction Safety Bulletin	Business Auto Coverage Non-owned Auto Coverage(for employees using their own vehicles on company business) Hired Auto Coverage(for rental cars)
Candles, chemicals and cremation equipment make fire a concern.	Make sure all chemicals are stored in proper containers and disposed of properly. Make sure lit candles are a safe distance away from drapes and other flammables. Make sure you have enough fire extinguishers strategically placed throughout your business.	Property Coverage Business Income Coverage Accounts Receivable Coverage
Funerals can be so emotionally charged that people may faint and hurt themselves, become ill or even hurt each other.	Designated Employees should be trained in first aid & CPR techniques	General Liability Coverage Medical Payments Coverage Funeral Directors’ Professional Liability Coverage
What if my funeral home is broken into or vandalized?	Crime Prevention Tips Safety Bulletin	Property Coverage Crime Coverage Personal Property of Others Coverage Loss of Business Income Coverage
My employee may become sick at work – from disease or from chemicals – or strain their backs from the heavy lifting that is part of the job.	Online Safety Training Courses	Workers Compensation Coverage Stop Gap Coverage
What if my tools and equipment are damaged?		Equipment Breakdown Coverage Loss of Business Income Coverage Property Coverage Inland Marine Coverage to protect your casket lowering devices and other equipment taken off site
What if personal items from the family, such as photos and jewelry are stolen or damaged while in my possession?	Make sure your funeral directors keep accurate records of all of your customers' property in your possession	Personal Property of Others Coverage
My signs, outdoor property and stained glass windows could be damaged from weather, cars, trees or vandals.	Have a regular maintenance program in place for your outdoor property Make sure you purchase a sign that can withstand the elements in your area.	Outdoor Sign Coverage Property Coverage
My refrigeration units could break down or shut off due to a power outage.	Use surge protectors whenever possible. Have a regular maintenance program in place for refrigeration equipment. Purchase a backup generator	Equipment Breakdown Coverage Business Income Coverage Utility Services Coverage Spoilage Coverage
The medical waste or wastewater can possibly pollute the area.		Pollution Liability Coverage
Because so many people come through the funeral home, I worry about damage to my furniture, antiques and other decorative pieces.	Keep up-to-date records of a valuable property along with their value	Fine Arts Coverage Musical Instruments Coverage Property Coverage Inland Marine Coverage
What if a death certificate or contract is inadvertently destroyed, such as by fire or water	Store valuables in a fireproof safe or cabinet Keep a backup copy of electronic records and contracts at an off site location	Valuable Papers Coverage
What if an employee steals something from the funeral home?	Run background checks on all employees Verify previous employment and check references Perform frequent audits	Employee Dishonesty Coverage
My funeral home needs to be an inviting place. I can’t have water damage to my building from weather or from pipes.	Proper maintenance of plumbing and sump equipment	Property Coverage Water Sewer Back-up Coverage
We help park cars during a service. What if something happens to them?	Driver Distraction Safety Bulletin Fleet Accident Procedures Safety Bulletin	Valet Parking Coverage
I have a number of employees and want to steer clear of any issues with discrimination, harassment or wrongful termination.		Employment Related Practices Liability Coverage

AGI Commercial Insurance

7147 E. Rancho Vista Dr. Suite B03

Scottsdale, AZ 85251

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