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.

Georgia Funeral Home Insurance
Georgia regulates a funeral firm twice — and most owners only think about one of the two. Establishment and funeral director licensing runs through the State Board of Funeral Service; preneed registration runs separately through the Secretary of State under the Cemetery and Funeral Services Act. Everything on our national funeral home page applies here; this is the Georgia layer.

The Georgia Factors
Two regulators, one firm. The Funeral Service Board licenses the establishment and the professionals in it; the Secretary of State’s cemeteries division registers preneed sellers. If your firm sells preneed, you answer to both — and the funds families entrust ahead of need make crime and employee dishonesty coverage a core line, with the trust rules as the legal backdrop.

The workers’ comp trigger is three. Georgia requires workers’ compensation from employers that regularly employ three or more persons — part-time staff count, and exempted officers still count toward the three. A director, an embalmer, and a part-time visitation attendant puts you in.

Metro and rural firms price differently. An Atlanta-area firm runs higher property values, heavier procession traffic, and bigger fleets; a rural South Georgia firm runs longer removal distances and older buildings. Both are Georgia — the program should be priced to how yours actually runs.

Summer storms and the building. Hail and straight-line wind take out power and roofs across Georgia every year — the property values conversation (and the business income terms behind it) is the one to have before the season, not after.

What Does It Cost in Georgia?
Building and contents values lead, then services and preneed volume, fleet size, payroll, and claims history. Call us with your real numbers: (850) 389-2001.

Frequently Asked Questions
What licenses does a Georgia funeral home need? Establishment licensing and funeral director/embalmer licensing through the State Board of Funeral Service — and preneed registration through the Secretary of State if you sell preneed contracts. Two regulators, and your insurance program should satisfy both relationships.

When does a Georgia funeral home need workers’ comp? At three or more regularly employed persons — part-timers count, and exempted officers count toward the three.

Who protects preneed funds in Georgia? The Cemetery and Funeral Services Act’s rules govern how preneed money is handled through the Secretary of State’s oversight — and crime/employee dishonesty coverage protects the firm from the human risks around it.

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

Also see: Funeral Home Insurance (national) · Cemetery Insurance · Workers Compensation

Call (850) 389-2001