Insurance Recommended for Cemetery Owners
As quiet and serene as cemeteries may seem, there’s a lot of work that goes on behind the scenes to keep them feeling that way. Cemetery management is a complex and multifaceted operation, and as with all other complicated businesses you want to make sure you have the appropriate protection. If you own a cemetery you should carry cemetery insurance to make sure any and all possible liabilities are covered.
Types of General Insurance Coverage
General Liability: This coverage will protect you from damage you may be responsible for creating.
Commercial Property: Policies are designed to protect all of your buildings and facilities. You’ll most likely want to make sure that headstones and any memorial plaques or decor are covered under this policy.
Automobile Insurance: Don’t forget that any time a vehicle is used for business you will be held liable for any damage.
Types of Cemetery Specific Coverage
Historic Property: If your cemetery is located on historic property or you own historically significant facilities you’ll want to look into cemetery insurance coverage that’s specifically designed for that purpose. If any repairs or renovation is needed for historic facilities you will quickly learn that they are very different from your average household repairs.
Cemetery Professional Liability: This coverage is designed for “mental anguish” claims and any damage cause to property that’s specific to cemeteries, such as caskets.