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Funerals are filled with deep emotions and thoughts of loss. Friends and family gather to share memories about their loved one and support one another. Unfortunately, accidents can happen when people get together at an event.
The last thing that you need at this difficult time is to have a claim arise as a result of the funeral service. Funeral Service Insurance provides peace of mind by protecting the person who is organizing the funeral from the costs of liability claims that happen as a result of the event.
What is Funeral Service Insurance?
Funeral Service Insurance is a type of event insurance that protects the financial interests of the person organizing the service. In addition to paying out settlements for any damages for which you may be responsible, it provides legal defense and investigation services for claims made against you, even if they are unfounded.
Like all general liability insurance, Funeral Service Insurance protects the insured from the financial consequences of claims due to bodily injury, property damage, or personal and advertising injury that guests may experience while attending the service.
What does Funeral Service Insurance cover?
Funeral Service Insurance provides coverage from third-party claims, which can come from guests, bystanders, the funeral home, or other venue where a memorial may be taking place.
Thimble’s Funeral Service Insurance can protect you from having to pay out-of-pocket for the following types of claims:
- Third-party, non-employee bodily injury: Someone who arrives for a viewing could fall and get hurt, and you could be held liable for their injuries.
- Third-party property damage: If someone’s personal belongings are accidentally damaged at the service you planned, you could be held liable for the repairs or replacement of the item.
- Personal and advertising injury: People can act out of character during stressful times. If a claim of slander or libel arises from the event, personal and advertising injury coverage can protect you.
How much does Funeral Service Insurance cost?
A funeral service is considered a lower-risk event and premiums reflect that. You can get a policy for the event for as little as $150 for the day. Your location and the event size will affect the price.
Here’s a range of Thimble’s Funeral Service Insurance costs for one day, without any optional coverages being added to the policy:
Who needs Funeral Service Insurance?
If you’re planning a funeral or end-of-life service, you’ll need Funeral Service Insurance. Funeral homes and directors will have their own business insurance, but it may not protect you if you are directly named in a claim or lawsuit.
Furthermore, if you are hosting a memorial gathering later on, some venues may actually require you to have general liability insurance before you can secure the event space. With Thimble, you’ll obtain your insurance policy within seconds, and we immediately send you a certificate of liability insurance, which you can show to the venue as proof of valid, active coverage.
While a funeral service is often a subdued event, there are still risks involved. Someone could trip on the path while walking out to the burial. A slip-and-fall accident can happen anywhere and to anyone. The bottom line is you have to account for the risks and be prepared with Funeral Service Insurance through Thimble.
Insurance provides peace of mind
If you are planning a funeral, you are responsible for the safety and comfort of the people who are attending the service. If a mishap occurs, you don’t want to bear the financial burden of a claim. Click “Get a quote” here or on the Thimble app, answer a few stress-free questions, and get covered in minutes.
Funeral Service Insurance FAQs
Is Funeral Insurance the same as Funeral Service Insurance?
No, funeral insurance is a type of life insurance policy that helps pay for the costs associated with the funeral and burial services. Funeral Service Insurance, on the other hand, is a type of event liability coverage that offers financial protection from bodily injury, property damage, and personal and advertising injury claims.
What if I only need one-day insurance?
People celebrate funerals in different ways. If your funeral service is just one day, we can provide a policy for just that. But if you are sitting shiva for a week with people coming to offer their condolences, you can get the policy for up to five days.
What are Thimble’s Conference event coverage policy limits?
Funeral Service Insurance coverage starts at a $1 million per occurrence limit with a $1 million aggregate limit. You can increase these limits for a small fee, getting a $2 million per occurrence limit with a $2 million aggregate limit.
What if I host the funeral at my home?
Even if you host the funeral at your home, you still face risks. You’ll still want to get Funeral Service Insurance to protect you for the chance that someone gets hurt or someone’s property gets destroyed.
Does Funeral Service Insurance via Thimble cover event cancellation?
No. Event cancellation coverage is often much more expensive than straightforward event insurance. However, you can cancel your policy at any time prior to the policy starting date and time to get a full refund.
Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.
Bodily Injury 
Property Damage 
Legal Defense 
Medical Payments
Covered Activities
- Car / Boat / Vehicle Washing or Detailing
- Housekeepers
- Janitorial Services including Carpet and Window Cleaning
- Office Cleaning
- Pressure Washing
Optional Add-Ons
- Exterior Painting
- Floor Waxing
- HVAC
- Plastering
- Plumbing (other than a leaky faucet or toilet)
- Snow / Ice Removal
Excluded Activities
- Inspectors
- Floor waxing during business hours or in commercial buildings with heavy foot traffic(malls, grocery / convenience / drug stores, hospitals, airports)
- Performing Work over Three Stories in Height(30 Feet)
What's Not Covered by Your Policy
- Activities Involving Firearms
- Performing Work over Three Stories in Height (30 feet)
- Work on 10 or More New Homes or New Residential Units in Any One Project or Development
- See full policy for details
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