What Insurance Coverage Do You Need for a Cemetery?

cemetery insurance

A cemetery or a crematorium is a business. If you own one, you know that there are risks involved similar to those faced by other businesses. However, because the services you provide are unique, there are specific problems that can arise. That may mean that you need specialized cemetery insurance, as detailed on www.reganagency.com.

The following is an explanation of the specific difficulties that can arise when running a cemetery and/or crematorium.

  1. Property Damage

A cemetery is outside where the graves and their markers are exposed to the elements. Therefore, weather conditions such as lightning, rain, or hail can cause damage. However, the damage that can occur is not only natural. Unfortunately, some people do not show the proper respect to the final resting places of others and may commit property crimes, such as vandalism or theft.

  1. Employee Injuries

The labor involved in maintaining a cemetery or crematorium can put employees at risk for repetitive stress injuries, burns, strains or sprains, etc.

  1. Third-Party Injuries

A cemetery often has visitors coming to pay their last respects. Despite your efforts to keep your property safe, carelessness on the part of either a visitor or an employee may lead to an accident.

When you run a cemetery or crematorium, you occupy a position of trust for people who are hurting and vulnerable. Having sufficient insurance coverage can aid you in fulfilling your obligation.