Funeral Services Insurance Coverage
WHAT WE DO:
For over 75 years, Weimer Over Agency has been serving the Western NY community and has built a reputation for client satisfaction through hard work, dedicated employees, and the best customer service in the business.
One area we have been successful in helping new clients is the funeral industry. This includes funeral homes, cremation, burial, cemeteries and memorials.
Some of the coverage's to consider are:
Professional Liability Insurance
This is important for funeral directors in situations where a family of a deceased person claims that you have caused them financial harm due to negligence, errors or omissions. Even if the lawsuit is unfounded, your professional liability policy will help cover the costs to prove your case.
Commercial Auto Insurance
Provides liability, collision, comprehensive and uninsured/underinsured motorist coverage for your commercial vehicles. Your coverage should be based on how your vehicles are used in business and who will be driving them. If you hire or lease your business autos, or if you or your employees drive personal vehicles for business purposes, you may need additional or amended coverage.
Workers’ Compensation
Workers comp insurance is mandatory in most states.This insurance protects your employees from the costs of work-related illnesses and injuries.
Commercial umbrella
Commercial umbrella insurance, or excess liability coverage, provides supplemental liability protection beyond the limits of certain other liability policies.
Pollution liability
Pollution liability insurance may be needed if you use and dispose of certain chemicals, medical waste or other pollutants. If a spill occurs, depending on what happens, you may receive hefty fines.
Employment practices liability
Employment practices liability insurance, or EPLI, covers you if an employee sues you for discriminatory employment practices.
Business Property Coverage
You likely have a variety of unique property on your premises that must be covered, including Valuable art, Specialized equipment for embalming and corpse preparation, Coffins and other merchandise for sale. Discuss with Weimer Over Insurance how to cover these items properly. In addition,we can talk about property coverage for off-premises items, such as tents and chairs at cemeteries, lifts, radios, and other telecommunication equipment. These items need coverage while they are stationed off-premises as well as while they are in transit.
Directors and officers (D&O) liability
D&O liability insurance protects specific decision-makers (e.g., a board of directors or advisory committee) from legal judgments and costs arising from certain behaviors or decisions that they make. Without this coverage, these individuals’ personal assets could be at stake if they are sued for any of these actions: Unlawful acts, Erroneous investment decisions, Failure to maintain property, Releasing confidential information, Hiring and firing decisions, Conflicts of interest, Gross negligence.
Many other coverages are available
Some additional coverages available are: Money and securities, Employee theft and crime, Loss of refrigeration, Property of the deceased, Valuable papers, Signs and glass, Floods and earthquakes, Sewer backup