Funeral Home Insurance

small business owner protected by funeral home insurance

Get Support and Security With Funeral Home Insurance

Your funeral home is more than just a business. It’s a place of comfort, care and dignity for families during their most challenging times. Insurance for funeral homes can help protect your property, employees and services from unexpected events, so you can keep supporting your community.
 
Quote Today
small business owner protected by funeral home insurance

Why Is Funeral Home Insurance Coverage Important?

Offering families a space to grieve, mourn and celebrate requires care and tact. We know you work hard to run your funeral home sensitively, but accidents can still happen. Funeral home insurance combines business insurance coverages to provide a comprehensive safety net that can help protect you from everyday risks.
small business protected by funeral home insurance coverage

Who May Need Funeral Home Insurance Coverage?

The Hartford’s insurance solutions can help protect:
 
  • Funeral homes and mortuaries
  • Memorial service centers
  • Burial and funeral service providers
  • Cemetery operators
  • Morticians

What Type of Insurance Do I Need for a Funeral Home?

Most funeral home directors get a Business Owner’s Policy (BOP) for the peace of mind it can provide. It combines three types of coverage into a single policy and helps protect your business from claims related to bodily injury or property damage:
 
  • General liability insurance helps protect your funeral home from claims it caused bodily injury or property damage to someone else.
  • Commercial property insurance helps protect your owned or rented building, as well as tools, equipment and supplies that you use to operate your funeral home, including:
    • Embalming machines
    • Autopsy tables
    • Personal protective equipment
    • Chapel furniture
    • Storage equipment
    • Caskets
  • Business income insurance helps replace your lost income if you can’t operate your funeral home because of property damage from fire, theft or wind.
A BOP won’t protect your funeral home from every type of claim. So, you may need other types of insurance to get more protection, such as:
 
Get Great Coverage in Minutes
Partner with an experienced insurer so you can focus on your clients and their families.
Quote Today
business owner protected by funeral home business insurance

How Much Does Funeral Home Insurance Cost?

The cost of funeral home business insurance varies, but here are the average amounts The Hartford’s customers in this industry pay for common types of coverage:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
Your funeral home insurance cost may be different from the average because every small business owner has unique needs. Insurers can also use several factors to determine rates. The best way to find out how much coverage will cost you is to get a quote.
business owner protected by insurance for funeral homes

Proof of Insurance When You Need It

Get proof of insurance anytime. We’ve made it easy for you to get your certificate online.

Covering Your Operations

Unplanned events can turn a day of remembrance into a logistical challenge. Whether it’s protection from facility damage or operational interruptions, we’ve got the right insurance coverage to help keep your funeral home running smoothly.
On average, a fire department responded to a fire in the U.S. every 23 seconds in 2023.2
business income insurance for funeral homes

Business Income Insurance

“A fire started in a neighboring business, and it quickly spread to my funeral home. By the time the firefighters got it under control, there was so much damage. We had to close for weeks and were forced to refund deposits to families.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate due to covered property loss.
General Liability Insurance for funeral homes

General Liability Insurance

“During a wake, a visitor slipped on a wet floor in our entryway and hurt their knee. We had to call an ambulance because they couldn’t walk.”
 
General liability insurance helps cover claims that your funeral home hurt somebody else.

Taking Care of Your Team

Your employees help provide a compassionate service to families during difficult times. But the nature of their work also means they face risks on the job. Insurance for a funeral home can help protect your team, so they can focus on your clients.
Musculoskeletal injuries and illnesses led to a median of 14 days away from work.3
workers' compensation insurance for funeral homes

Workers’ Compensation Insurance

“My attendant was transporting a casket into our hearse when he hurt his back. He had to take a few weeks off from work and get physical therapy to recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
Professional Liability Insurance for funeral homes

Professional Liability Insurance

“A client said my staff didn’t order the right type of casket for her loved one, so she sued my funeral home for breach of contract.”
 
Professional liability insurance can help cover claims that your funeral home made a mistake in the professional services provided to clients.

Protecting Your Property

We know you rely on your equipment and tools to help prepare for a funeral service. But what would happen if they were to get damaged or stolen? As the owner of a funeral home, insurance coverage is important to have so you can help protect your essential business property.
About 75% of real estate losses come from accidental discharge due to plumbing, HVAC systems and appliances.4
commercial auto insurance for funeral homes

Commercial Auto Insurance

“We were on the way to the cemetery when the first car in the procession rear-ended our hearse. Luckily, there weren’t any injuries, but the hearse needed to get fixed.”
 
Commercial auto insurance helps protect your funeral home business on the road when driving a company-owned vehicle for work. It can help cover claims of property damage or bodily injury from an accident your business is involved in.
commercial property insurance for funeral homes

Commercial Property Insurance

“A pipe burst overnight and flooded the office and reception areas. The water ruined furniture, flooring and several electronics.”
 
Commercial property insurance helps protect the tools, equipment and supplies that your funeral home relies on to operate.

Funeral Home Insurance Made for Your Industry

As an insurance company with more than 200 years of experience, The Hartford understands the complexities of your industry. That’s why we designed our insurance coverage with businesses like yours in mind. Our insurance for funeral homes can help you better prepare for unexpected challenges, allowing you to focus on supporting families with compassionate service.
 
Find out more about other business professions we insure:
 

Frequently Asked Questions About Funeral Home Insurance

Funeral home insurance helps protect your business from unique risks that you could face during normal operations. It combines several types of insurance coverage to help protect your funeral home from claims of bodily injury, property damage or client lawsuits. For example, if a visitor slips and falls in your funeral home, general liability insurance can help cover their medical bills. You can also get other types of insurance to increase your coverage and create well-rounded protection. 
Funeral homes provide sensitive and specialized services, making them vulnerable to unique risks. Without funeral home business insurance, you’d have to pay out of pocket for costly claims.
You can get a fast and free insurance quote online from The Hartford.
small business owners getting a funeral home insurance quote from The Hartford

Get Funeral Home Insurance Today

Get the coverage you need to serve your community with confidence and care.
 
Quote Today
 
 
Last Updated: April 9, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 National Fire Protection Association, “Fire Loss in the United States”
 
3 National Safety Council, “Work Safety: Musculoskeletal Injuries”
 
4 The Hartford, “Using IoT Devices To Prevent Water Damage”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
Get a Business Insurance Quote