Category Archive Cemeteries Insurance

How a Cemetery Insurance Program Provides Peace of Mind

The business of selling cemetery plots or parcels is one of the most sensitive industries to impact the human experience. A cemetery insurance program provides solace for individuals who are responsible for the selection of a proper burial location. Cemetery owners and management must also contend with the general commercial aspect of operations.

Among the essential components a comprehensive cemetery insurance program offer are:

  • General liability for property damage or third-party injury on cemetery premises
  • Professional protection against financial repercussions as a result of allegations of negligence in services
  • Commercial auto safeguards for any vehicles that deliver remains
  • Directors and officers coverage for executives and management due to liability-related litigation
  • Commercial property security in the event of damage to cemetery property or equipment due to fire, hail, or other weather events, theft, or vandalism
  • Crime provisions in the event of employee theft, money and securities, and computer fraud
  • Workers compensation for on-the-job employee injuries

Arranging for the final resting place for a loved one is the most critical and emotional endeavor that a family may face. A cemetery insurance program ensures comfort for individuals as well as protection for the company and employees. A cemetery company’s dedication to providing fundamental peace at a time of vulnerability demonstrates extraordinary and profound compassion.

Coverage For Cemeteries

Insurance Coverage For Cemeteries

Operating a cemetery requires careful attention to the condition of the premises. In addition to holding services, cemeteries are a place that many people will visit regularly to remember a loved one. Being responsible for any type of area that is accessed by the general public can give rise to liability concerns, and a cemetery is no exception. Cemetery managers need to safeguard their operations with comprehensive insurance.

Why Is Insurance Necessary for a Cemetery?

Owners or operators of a cemetery could face legal claims in the event that there is an incident on the premises that leads to an injury or damage to a person’s property. Cemeteries often encompass considerable square footage. Even when the grounds are meticulously maintained, any number of accidents could happen. For example, an unsafe condition that causes someone to trip and fall. Cemetery insurance can help address these types of liability claims.

What Benefits Are Available?

Coverage benefits for liability claims may include legal costs, a damages award, or a settlement agreement. In addition, supplementary insurance benefits are available to compensate a cemetery for several types of damage to a cemetery’s premises or its assets:

  •       Damaged equipment
  •       Broken fences
  •       Fallen tree removal

For help with cemetery insurance coverage, it’s advisable to reach out to an insurance company that has experience serving cemetery operators.