Running a cemetery can be a draining experience. After all, you are working with families during a very difficult time. The last thing you want to have to worry about while caring for the needs of others is your own liabilities. The right cemetery insurance program can help minimize those liabilities and protect your business interests.
Common Liabilities for Cemeteries
There are some liabilities unique to cemeteries. They include concerns such as transferring deeds to plots and those associated with equipment used in normal operations. However, just like any other type of business, cemeteries also have to contend with common liabilities. These may include:
- Injuries or accidents that happen on business property
- Unlawful acts or misconduct or owners and workers
- Damage to property or equipment due to theft, vandalism, or an accident
- Injuries sustained by employees while working
Coverage That Meets Your Needs
You want to find coverage that can protect your assets against a claim or damage. This will often include both general and professional liability policies. Adding protection for business property is usually a good idea as well.
It is best to work with an insurer who understands the unique needs of a cemetery. This can help ensure you find the right coverage to minimize liabilities without adding unnecessary pieces to your policy.