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What Type of Insurance Protection for the Cemetery Owner?

Operating a cemetery demands a great deal of sensitivity towards the deceased and those affected by the death.

RELATED: how homeowners insurance can cover a cemetery headstone

Along with a caring heart and manner, cemetery owners and managers must deal with the general commercial aspect of operations. This relates to staff interactions, maintenance of grounds, at-site funeral services, and the throngs of visitors paying last and continued respects throughout the year and during all types of weather conditions.

Related risks incorporate damages occurring at the cemetery due to the management’s negligence.

These include:

  • Bodily injury

  • Disease

  • Illness

  • Mental Anguish

  • Death

Professional Liability Insurance for the Cemetery

Accidents and mishaps can occur even under the best circumstances. Because of this, the cemetery owner needs associated insurance that will cover all the scenarios of exposure.

Commercial Liability Property Coverage
This coverage will protect your cemetery from damages incurred to its own property, as well as damage to other party’s property – this can include coffins or caskets, garments for the deceased, urns - and even human remains.

Errors and Omissions Coverage
Related coverage involves protection in the event of mistakes occurring when transferring and selling cemetery plots or parcels.


For more on cemetery insurance protection, contact the experienced professionals for guidance.

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: Cemeteries have a host of exposures that the management must contend with. Professional Liability Insurance can protect a cemetery from related lawsuits. 


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