Funeral directors’ insurance

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Business insurance for funeral directors

As a funeral director you help people through very difficult times, and if anything goes wrong, it’s important that your business can keep running smoothly.

There are a number of difficulties that funeral directors’ insurance will shield you from, whether it’s protecting your stock and equipment and ensuring the deceased’s valuables are safeguarded, or making sure you’re covered if a client brings legal action against you.

You can let us worry about the insurance while you get back to looking after the deceased and the bereaved. We’ve got your back with cover limits for stock ranging from £2,500 to £25,000, and public liability cover available for £2,000,000 or £5,000,000.

You can also add employers’ liability insurance, business contents and equipment insurance, and any other cover you need to create a tailored policy.

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What insurance do funeral directors need?

The insurance you need depends on your business and the risks you face, but these are popular covers for funeral directors:

  • Public liability insurance is important for anyone who operates out of a funeral home that welcomes clients onto its premises. This will cover compensation payments and legal fees if a client or another third party makes an injury or damage claim against you.

  • Stock insurance will not only protect your coffins, urns and other stock against both damage and theft, but the relatives of the deceased will have peace of mind knowing that their effects are covered too.

  • Employers’ liability insurance is a legal requirement for most businesses that have staff, so it’s an important consideration if your funeral home employs anyone, even on a casual basis. It can cover compensation claims made by staff if they’ve suffered illness or injury as a result of their work.

  • Business equipment insurance may be particularly important if you have a mortuary on site and need your embalming equipment protected. It can also cover cleaning machines and removal equipment against theft and damage.

Why Simply Business?

  • We’re the UK’s biggest business insurance provider
  • All settled claims paid within 24 hours
  • 9/10 ratings say we’re good (or excellent)
  • 400,000 customers (and counting)
  • Claims handled by an award-winning team
  • Quote comparisons available from multiple insurers
  • We run things from an expert, UK-based contact centre

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

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