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Funeral directors insurance

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Based on 39,770 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Funeral director insurance – why is it important?

As a funeral director you help people through difficult times, so it's important that your business is protected in case anything goes wrong. With the right cover you can get back to business as normal. You can start with public liability insurance and build from there.

  • peace of mind, letting you focus on your business, not the what-ifs
  • UK-based claims team, award-winning and available 24/7
  • trusted by over 800,000 small UK businesses for flexible, tailored cover

Start your quote

What does funeral directors insurance cover?

It’s quick to add covers to your quote and build a policy that suits your needs as a funeral director. Most businesses start with public liability insurance, which protects your business against third party claims for injuries or property damage. Then, you can add covers that protect against other risks.

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by f uneral directors public liability insurance?

Claims against your business for:

  • causing damage to someone’s property, caused by you or as a result of your work
  • causing illness or injury because of your business activities
  • accidental damage or injury caused by your employees, if you have any

For example:

  • you spill hot coffee over a client during a meeting, causing a burn
  • a contractor working on the same premises as you trips over your tool kit, breaking their knee in the fall
  • one of your employees causes extensive damage to your client’s property when reversing their van

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury to someone you employ, including contractors and temps, that happens as a result of working for you
  • a member of staff (including casual workers) falling ill due to your business

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
  • a temporary employee traps their hand in a door at your premises, causing several fractures
  • a member of staff trips on a ledge on their way to a meeting, injuring their hip

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

  • destruction and damage of your contents equipment, such as furniture or photocopiers
  • cover for flood or fire damage, plus theft and vandalism

For example:

  • some of your business equipment, including a printer, is damaged by a fire
  • several TV screens you use for virtual meetings are stolen by thieves
  • an upstairs leak in your premises causes damage to the sofa and chairs in your reception area

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

Claims against your business for:

  • unpaid invoices
  • contracts for the purchase, hire, sale, or provision of goods or services provided to you
  • an alleged breach of statutory rights with an employee

For example:

  • you need to recover debt after a client refused to pay their invoice, caused by a contractual dispute
  • you’re facing legal costs as a client is disputing whether you met your contractual obligations with your hire agreement

Read more about business legal insurance

Stock insurance - select options

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

  • the cost of replacing the stock you use to run your business
  • stock that’s been destroyed, lost, stolen, or damaged
  • stock includes food and drink products as well as branded materials and sellable items

For example :

  • your stockroom gets vandalised – products you need to operate are stolen and damaged
  • a fire caused by faulty electrics spreads to your stockroom and destroys sellable items
  • a leaking pipe floods your business premises, destroying stock that you intend to sell

Read more about stock insurance

Buildings insurance

In case something happens to your business premises.

What’s typically covered by business building insurance?

Claims against your business for:

  • the cost of structural repair (or rebuilding from scratch) following damage to your building
  • damage to fixtures and fittings
  • underground pipes and cables that you’re responsible for

For example:

  • someone vandalises your shop with graffiti, which you need removing ASAP
  • your shop’s non-slip rubber flooring gets damaged during a refurb and needs replacing
  • a non-supporting wall in your building has been damaged and needs replacing

Read more about business buildings insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What's typically covered by excess insurance?

Claims made by you for:

  • when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess

For example :

  • after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
  • a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
  • a tenant’s suitcase scratches the wooden flooring in your hallway – you won't have to pay any excess on your accidental damage claim

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does funeral director insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.49 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

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*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

No excess

£750

Employers' liability

No excess

No excess

Contents

£200

£4,000

Stock

£200

£4,000

Main building

£200

£400

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

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Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

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How do insurance claims work for funeral directors?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,770 reviews

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Funeral directors insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for funeral director businesses

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