Written By: Krystal Jackson, President, Barbee Jackson Insurance. Over the past 20 years Krystal and her team have insured thousands of contractors and small businesses throughout the United States. Licensed in 30+ states. Last updated: October 21, 2026.

Funeral Home Insurance
A funeral home gets one chance to get everything right, for families living the worst time of their lives. That’s the business — and it’s also the insurance problem, because the claim that defines this class isn’t a fire or a fender-bender. It’s the professional error: the mix-up, the paperwork failure, the irreplaceable loss — the claim where what was damaged can’t be repurchased. A standard business policy doesn’t answer that claim. A funeral home program is built to respond.

We’re Barbee Jackson Insurance — independent, licensed in 30+ states — and funeral homes, cemeteries, and crematories are a class we insure with the care the work deserves. Here are the three key factors.

Key Factor #1: The Coverage That Answers the Unthinkable
General liability handles the slip in the chapel parking lot. It typically does not answer the claims unique to this profession — errors in the handling, identification, preparation, or disposition of remains, a burial or cremation performed contrary to instructions, lost or mishandled cremains, or a service error a family can never be made whole for. That’s funeral directors professional liability—the errors-and-omissions coverage designed for your profession. It’s the first coverage we review for a funeral home, because having it listed on your policy doesn’t necessarily mean the protection is adequate. A claim involving the care of a loved one can carry serious financial and reputational consequences. Your coverage needs to reflect that responsibility.

These claims are rare. They are also the ones that end firms — financially and reputationally — which is exactly the profile insurance exists for.

Key Factor #2: The Building, the Prep Room, and the Fleet
The property side carries the chapel, viewing rooms, offices, and signage — with replacement-cost values that reflect what rebuilding actually costs today — Plus business income coverage, because when a covered loss keeps you from hosting services, the mortgage, payroll, and other ongoing expenses don’t stop.

The preparation room is its own world. Embalming operations fall under OSHA’s formaldehyde standard (29 CFR 1910.1048) — exposure monitoring, training, recordkeeping — and the equipment and chemical storage inside deserve specific attention in your property schedule and your liability conversation. An insurer who understands funeral homes knows to ask what happens in the preparation room—and how it’s managed.

The fleet works in public grief. Hearses, limousines, flower vans, and removal vehicles need commercial auto rated for how they’re actually used — including processions, where your vehicles lead traffic at walking speed through intersections with the whole community watching. Medical payments and uninsured motorist coverage earn their place here.

Key Factor #3: The Rules Around the Business
Funeral service is one of the most regulated small-business classes in the country, and the program should reflect it. The FTC Funeral Rule (16 CFR Part 453) governs price disclosure to families. Preneed arrangements carry state licensing and trust obligations — in Florida, under the Division of Funeral, Cemetery & Consumer Services — and the funds families entrust years ahead of need make crime and employee dishonesty coverage a core line, not an add-on. Families’ personal data makes cyber worth the conversation. If you have employees, workers’ compensation belongs in your insurance program—even when state law doesn’t require it. Round out your coverage with employment practices liability and an umbrella sized to what you protect. Your insurance program should be as buttoned-up as your profession.

Funeral Home Insurance by State
Florida Funeral Home Insurance · Georgia Funeral Home Insurance — licensed in 30+ states; if yours isn’t listed, call us.

What Does Funeral Home Insurance Cost?
The drivers: building and contents values, number of services and preneed volume, fleet size and how it runs, payroll, claims history, and your state. Every firm prices differently — call us with your real numbers: (850) 389-2001.

Frequently Asked Questions
Does general liability cover a mistake in handling remains? Typically not — those are professional liability claims, and they need funeral directors professional liability (E&O) to answer. It’s the defining coverage of this class and the first thing we review.

What insurance does a funeral home need? The working program: general liability, funeral directors professional liability, property with business income, commercial auto on the fleet, workers’ comp where your state’s threshold requires it, and crime coverage where preneed funds are handled. Your state licensing and your lease may require specifics — see our Florida and Georgia pages, or send yours over.

Are processions covered? Processions are part of how your fleet is used, and your commercial auto should be written and rated with that use disclosed. If an escort or lead vehicle arrangement is part of your service, that belongs in the conversation too.

Who protects preneed funds? State trust and licensing rules govern how preneed money is held — and crime/employee dishonesty coverage protects the firm from the human risks around it. Both sides of that belong in the review.

How fast can I get a certificate of insurance? Within five minutes during normal business hours unless a change is required. (850) 389-2001.

Why Funeral Homes Work With Barbee Jackson Insurance
Independent, licensed in 30+ states, 400+ five-star Google reviews — with A-rated carrier partners and a habit of reading the policy with you: the professional liability terms, the prep room, the fleet. Call (850) 389-2001, email services@barbeejackson.com, or request a quote below. Your Goals, Our Strategies.

Also see: Cemetery Insurance · Professional Liability Insurance · Commercial Property Insurance · Workers Compensation