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Funeral Home Insurance F.A.Q.

What types of insurance do I need for my funeral services business?

The types of insurance coverage that you need for your funeral services business depend on various factors such as the number of employees, the types of services you offer, and the location of your business. However, the most common types of insurance that you may need include commercial property insurance, general liability insurance, professional liability insurance, workers' compensation insurance, and commercial auto insurance.

How much does funeral services business insurance cost?

The cost of funeral services business insurance can vary widely depending on various factors such as the size of your business, the type of services you offer, and the level of coverage you need. The cost can range from a few hundred dollars to several thousand dollars per year.

What is professional liability insurance, and why do I need it for my funeral services business?

Professional liability insurance, also known as errors and omissions insurance, provides coverage for claims of negligence or mistakes in professional services provided by your funeral services business. It can protect your business from claims related to errors in funeral arrangements, damage to property, and other issues.

Can I bundle my funeral services business insurance policies to save money?

Yes, bundling your insurance policies with a single provider may qualify you for a discount. Many insurance companies offer package policies that combine multiple coverage types, such as property and liability insurance. It is essential to work with an experienced insurance agent who can help you identify the right coverage options and bundle policies to save money.

Funeral Home Insurance Information

Funeral services businesses provide essential services to families during a difficult time. However, they also face various risks and liabilities that require specific insurance coverage to protect their operations, employees, and clients.

Here are the most common insurance coverages that funeral services businesses may need:

  1. Commercial Property Insurance: This insurance coverage protects your funeral home building, equipment, inventory, and other assets from damage or loss due to various perils, such as fire, theft, and natural disasters.

  2. General Liability Insurance: This coverage protects your funeral services business from third-party claims for bodily injury, property damage, or personal injury caused by the business’s operations or employees.

  3. Professional Liability Insurance: Also known as errors and omissions insurance, this coverage provides protection for claims of negligence or mistakes in professional services provided by your funeral services business. It can protect your business from claims related to errors in funeral arrangements, damage to property, and other issues.

  4. Workers’ Compensation Insurance: This insurance provides benefits for employees who suffer from work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation services.

  5. Commercial Auto Insurance: This insurance coverage is necessary if your funeral services business owns or operates vehicles. It provides protection for bodily injury, property damage, and medical payments in case of an accident involving a funeral services vehicle.

In Texas, funeral services businesses must comply with state regulations that require specific insurance coverage. According to Texas law, funeral homes must have a minimum of $100,000 in liability insurance for bodily injury and property damage. They must also have commercial auto insurance coverage and comply with workers’ compensation regulations.

Having the right insurance coverage can protect your funeral services business from unexpected expenses, legal claims, and reputational damage. It can also help you comply with state regulations and provide peace of mind to clients and employees. It is essential to work with a knowledgeable insurance agent who understands the unique risks and liabilities of the funeral services industry to identify the right coverage options for your specific business needs.

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Customer Reviews

Mojo BlockMojo Block
18:36 23 May 23
Voyage Insurance Group is very new to me and my family in search of equitable and affordable insurance. The cost of insurance in this current rise of inflation and greed is difficult to figure out. Voyage has shown to me real results…They are simply refreshing and sincere in their approach to the buyer’s needs. However you have morphed seeking a positive desire for change that is affordable in you quest of the right insurance, home or car., Voyage is worth the call… Trinity or Rachel are great at their job to seek out more affordable and equitable insurance… Thank you Trinity and Rachel…
Sal Da DoorSal Da Door
17:16 15 Feb 23
Micah is always friendly and reliable. His word truly is his bond and I’d prefer no one else to handle any of my insurance needs.
DeQuincy LydiaDeQuincy Lydia
04:17 15 Feb 23
Always great working with Michael. He is very professional, knowledgeable and also quick to respond to any questions I may have. He was really able to help me last minute and I'm very grateful!
julie pachecojulie pacheco
03:12 03 Feb 23
Micah Clements was very prompt and professional in assisting me with my needs for home and auto insurance. Micah provided me with multiple options that best fit within my financial budget. I really didn’t think he was going to be able to beat what I was paying with my prior insurance company, but he did, by half! I’m happy I was referred to this group.
23:41 02 Feb 23
the best quote and profesional Customer Service, you can trust in Voyage Insurance Group.
I had a great experience getting assistance from Brandi Grauel, she is so professional and attentive, she was able to show me several car insurances options and helped me to find out what was the best option for me. Anyone who is shopping around but not sure yet.. give her a call
Regina PopeRegina Pope
21:17 02 Apr 22
David Miller out of Pearland helped us save so much money on our personal auto and our commercial auto premiums. We received such a good deal that we paid it all upfront! David was quick and efficient and we are glad to do business with him!
Bridgette GarciaBridgette Garcia
19:21 02 Apr 22
I had an exceptional experience with Voyage Group Insurance. David Miller was amazing! He provided great customer service and saved me $250. Thanks David!
Nate HeckmanNate Heckman
17:45 29 Mar 22
I've had a great experience with Voyage Insurance Group. Sergio Guerrero was the first person I spoke with about my quote and he was extremely helpful and pleasant to speak with. He was very professional and clear with his explanations to my questions. I appreciated that a lot. As a new customer I am indeed satisfied with my experience. Thank you!!!