Photo by Eli Solitas on Unsplash
Insurance is the last thing on someone’s mind when planning the funeral or memorial of a loved one; however, most venues typically require the host to have funeral general liability insurance for their event.
Front Row Insurance provides a quick, efficient and easy-to-use online funeral insurance program available for purchase 24/7. Additional insureds for the funeral home or other funeral venue are automatically included.
Protect the funeral service events that you’re hosting with short-term event insurance:
Aside from the requirements of the venue, why should you consider funeral service liability insurance? If someone is injured through an accident at a funeral service that you are hosting and you are found legally responsible, this coverage will protect you.
Below are some unfortunate real-life incidents that have occurred at funerals. These funeral service events may or may not have had insurance.
In 2011, at least four people were injured when a ceiling beam holding light fixtures fell during a funeral service event in Texas. The beam was 25 to 30 feet long and was constructed with 2-inch-by-6-inch and 1-inch-by-6-inch lumber.
When people are injured at a funeral service, it is entirely possible that they will decide to sue for damages. A funeral insurance policy will pay for the cost of a lawyer to defend you.
In 2020, a fire occurred at a funeral home in the US. The building – built in the nineties – was deemed a total loss. If a fire such as this occurred during a funeral service that you were hosting and were responsible for and you or one of your guests caused the fire – and you had event insurance in place – covered losses could potentially be reimbursed.
Commercial General Liability coverage (in Front Row’s event insurance policy) is designed to protect against all sums up to the coverage limit that the insured shall become legally obligated to pay for property damage to third parties arising out of the operations of the insured event. It includes the cost of a lawyer to defend you.
Also in 2020, a man was severely injured after falling into a burial plot while attending his friend's funeral at a cemetery. The man’s family intends to sue the cemetery over its negligence that allegedly led to the accident.
The incident took place near the end of the service as people were starting to disperse. The victim, trying to make his way back to his car, stumbled across crowded gravestones, as a proper path or sign postings were unavailable. At one point, he slipped and fell into an open plot, and a large piece of a tombstone fell on top of him, causing a serious blow to his head.
Commercial General Liability coverage (in Front Row’s event insurance policy) is designed to protect against all sums up to the coverage limit that the insured shall become legally obligated to pay for bodily injury to third parties arising out of the operations of the insured event. It includes the cost of a lawyer to defend you.
Our policy is available for purchase online, 24/7. This is, of course, easier and more convenient than having to call or email an individual insurance agent for arrangement of the policy offline. Quite simply, you’ll get your US funeral service insurance policy faster and with less hassle if you purchase it online from Front Row. Quotes are free.
Funeral homes, cemeteries and other professionals involved in funeral service events can be added as additional insureds to the policy, for free. This maintains the professional aspect of everything and protects everyone involved.
Are you in Canada? If so, buy funeral service insurance in Canada here.
About: Front Row Insurance Brokers LLC is an independent insurance broker that specializes in the entertainment industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment. Offices in: NY, Nashville, LA, Vancouver, Toronto, Montreal and Halifax.
DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.