Funeral Directors


Auto Legal Liability 

Funeral directors often travel in their business, and this coverage helps if there’s damage to a vehicle during those travels. This coverage is for the amount sustained in a loss, with a $250 deductible.

Business Income and Extra Expense

If you can’t operate your business because your property or equipment is damaged, we’ll help cover your costs, up to the actual amount of lost income.

Business Personal Property Off-Premises and in Transit

Coverage applies to your equipment and other materials even when you’re not on your own property (for example, when it’s being transported or displayed off-site). The limit is $10,000.

Employee Dishonesty

Unfortunately, you can’t always trust your employees. But you can be protected from a dishonest act, with coverage up to $25,000.


EPLI-Free Defense Reimbursement

This coverage pays your business back if you must defend against a lawsuit connected to a worker’s employment. This has a limit of $10,000.

Money and Securities

Cash and checks owned by the funeral home are covered up to $10,000 on the premises, and up to $2,000 when they’re somewhere else.

Professional Liability

This coverage covers amounts a funeral director must pay because of negligence, error, or omission, or for not providing professional services.

Valuable Papers

Like our coverage for money and securities, this coverage applies to important documents with coverage of up to $10,000 on the premises, and up to $5,000 if they are off premises.


Get a quote now!

Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.