Partnering with You to Protect What Matters Most
At Algate Advisors, we recognize that funeral homes serve their communities with care, compassion, and professionalism during some of life’s most difficult seasons. With a unique blend of operational risks, regulatory concerns, and specialized property and professional exposures, your insurance needs are unlike any other industry. You need tailored coverage and a trusted advisor who understands your world. That’s why we’ve built a program specifically for funeral homes—led by someone who knows the business from the inside out.
Guided by Experience
This program was developed by Hamilton Owen, a funeral director with over 25 years of experience in every aspect of funeral service—from arrangement conferences to embalming and cremation to delivering services and facility management. Hamilton brings an unparalleled understanding of the challenges funeral professionals face and uses that knowledge to help design insurance solutions that truly protect what matters most. When you work with Algate Advisors, you're not just getting an insurance agent—you’re getting an industry insider who speaks your language, understands your pressures, and can anticipate your needs.
Coverage Built for Funeral Homes
Every funeral home is different. Whether you're an independent operator or manage multiple locations, we take time to understand your unique risk profile. With access to a wide range of top-rated insurance carriers, we can customize a package that may include:
- Professional Liability – Protects your business against claims of errors or negligence in the handling of funeral services, including embalming, cremation, and transportation of remains.
- General Liability – Covers incidents involving guests, vendors, or others while on your premises or during services.
- Property Coverage – Insures your funeral home buildings, furnishings, equipment, and inventory against fire, theft, vandalism, and other risks.
- Business Auto – Covers your hearses, limousines, removal vehicles, and any other company-owned or used vehicles for liability, collision, and comprehensive damage.
- Business Interruption Insurance – Helps replace lost income and cover operating expenses if your business must close temporarily due to a covered loss.
- Workers’ Compensation & EPLI – Provides wage replacement and medical benefits to employees injured on the job and protects your business against employment-related claims such as wrongful termination or discrimination.
- Cyber Liability – Safeguards sensitive client and business data from breaches, ransomware, and other cyber threats.
Why Funeral Homes Trust Algate Advisors
We specialize in helping funeral homes find the right insurance solutions to match their needs. As an independent agency, we’re not tied to one carrier. Instead, we represent a variety of top-rated insurance companies—giving us the flexibility to shop the market and find the most comprehensive and cost-effective policies for you. And perhaps most importantly, we offer recommendations grounded in real-world funeral home experience—not guesswork.
The large majority of funeral homes are small businesses. Unlike commercial agencies that often overlook smaller businesses, Algate Advisors was built to serve companies like yours. That doesn’t mean we don’t serve some really big clients; it simply means that we have a heart for small businesses. We’re hands-on, responsive, and committed to earning your trust. We believe every business—regardless of size—deserves strategic guidance and attentive service.
Let’s Protect Your Business Together
You’re in the business of supporting families—we’re here to support yours. Your work is personal, meaningful, and vital to your community. Your insurance should reflect that. Let Algate Advisors help you stay protected so you can continue to focus on serving families with confidence and peace of mind.
Contact us today to schedule a consultation with Hamilton and Julie and learn how we can help safeguard your funeral home with coverage you can count on. Let us evaluate your current coverage, identify any gaps, and propose a smart, affordable insurance program tailored to your funeral home.
