A funeral and mortuary service provider is an embalmer business. Embalmer businesses, like all other businesses, should have business insurance in order to protect their business from potential liabilities and risks. Here are some reasons embalmer businesses should have business insurance.
- Professional liability: Embalmers have the responsibility of preparing the deceased for funeral services. Any mistake or negligence can lead to injury or harm. An embalmer’s business can be protected by professional liability insurance (also known as malpractice insurance) in the event that they are sued or subject to legal action.
- General liability: Embalmer businesses could be exposed to general liability, including slip-and-fall accidents, property damage from employees or visitors, and other accidents that may occur on the premises. These types of claims can be covered by general liability insurance.
- Property damage: Embalmer companies use a variety of equipment, and may have an office or facility. Equipment can fail, or accidents can occur, which can cause property damage. In the event of loss or damage, property insurance protects an embalmer’s office, furniture and equipment.
- Workers’ compensation: An embalmer company may have to insure their employees with workers’ compensation insurance. This insurance covers the cost of lost wages and medical expenses for employees who are injured while on the job.
There are some common mistakes that could happen in an embalmer’s business:
- Malpractice claims: Families can sue for malpractice if their loved ones were not properly taken care of during embalming.
- General liability claims: A visitor to the funeral home might slip and fall, inflicting injury. This could lead to a general liability case.
- Property damage: Equipment malfunctions or injuries can cause property damage to the funeral home and neighboring properties.
- Workers’ compensation: This insurance covers injured employees on the job. It may also cover lost wages and medical expenses.
An embalmer’s business can protect itself and its practice against these and other liabilities by having business insurance. To address the unique risks of embalmer businesses, it is important to consult an insurance professional.
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