Protection for Everyday Risks So You Can Focus on Serving Families
As a funeral home, your commitment is to provide compassionate and dignified care to families during their most difficult times. But like any business that interacts with the public, you're also exposed to everyday risks—accidents, property damage, or legal claims that can result in costly lawsuits.
Commercial General Liability (CGL) Insurance helps protect your funeral home from the financial impact of those unexpected incidents. It’s one of the most important insurance policies any funeral service provider should carry.
What Does Commercial General Liability Insurance Cover?
Bodily Injury
If a visitor, vendor, or client is accidentally injured while on your premises—for example, if someone slips on a wet floor in your chapel—your CGL insurance can cover their medical expenses and legal costs if they decide to file a lawsuit.
Property Damage
If your operations accidentally damage someone else’s property—for instance, a delivery cart damages a client’s vehicle or a contractor breaks something in a neighboring building—CGL insurance helps cover the repair or replacement costs.
Personal and Advertising Injury
This covers non-physical harm, such as:
- Accidental defamation or slander (e.g., during memorial announcements or public communications)
- Invasion of privacy
- Misuse of copyrighted material in ads or obituaries
If someone claims your funeral home caused reputational or financial harm in these ways, this coverage helps with legal defense and potential settlements.
Why Funeral Homes Need General Liability Insurance
Even in a professional, low-risk setting like a funeral home, the unexpected can happen. A fall in the parking lot, damage during a service, or a miscommunication in marketing could turn into a costly legal issue.
General liability insurance:
- Protects your finances from third-party claims and legal fees
- Preserves your reputation by handling claims with professionalism
- Keeps your operations running smoothly without major disruptions
Custom Coverage for Funeral Homes
While general liability is essential, it can also be enhanced to meet your unique needs. For example:
- Product liability (for funeral merchandise)
- Completed operations liability (for post-service claims)
- Contractual liability (if you're working with third-party vendors)
We’ll help tailor your policy to your funeral home’s size, services, and risk profile.
Key Policy Features to Understand
- Coverage Limit: The maximum amount your insurer will pay for a covered claim.
- Deductible: The out-of-pocket amount you pay before insurance kicks in.
- Premium: Your regular payment for maintaining the policy.
Your premium will depend on factors like the size of your funeral home, location, number of employees, and services provided.
Important: CGL insurance does not cover damage to your own property or employee injuries. For complete protection, consider adding property insurance and workers’ compensation insurance.
Protect Your Funeral Home from Everyday Legal Risks
Let us help you find the right Commercial General Liability Insurance for your funeral business—so you can focus on what matters most: serving families with compassion and care.
