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Crematories perform cremations – the act of condensing a corpse by burning it in a large furnace. Once the cremation process is complete, crematories store corpse remains in a container such as an urn and provide it for the families' of the deceased. Some crematories specialize in pet cremations.

General Liability for Crematories – Since the families of the deceased may visit crematories, they are susceptible to injuries especially if they are in fragile emotional states. Injuries may occur if any hazards exist on crematories’ interior and exterior grounds or if employees are not readily available to handle emergency situations. Good housekeeping requires visitor areas to be neat and orderly, free of obstruction and debris, defect free floor coverings, daily vacuuming, and prompt clean up of spills.

Professional Liability (Errors and Omissions) Insurance for Crematories – Professional liability lawsuits can occur when crematory employees do not handle the bodies of the deceased as per the family’s wishes. Lawsuits of this kind can be serious since mistakes can cause emotional distress to families.

Workers’ Compensation Insurance for Crematories – Workers’ Compensation risks are primarily injuries that could occur during the cremation process, such as burns from the use of a furnace. Mandatory employee training in proper lifting techniques and the use of a buddy system can prevent back injuries. All employees who lift should not have history of back injuries.

Business Auto Insurance for Crematories – Auto accident liability is a concern if crematory employees pick up bodies and deliver remains to and from funeral homes and residences. Youthful operators under age 25 pose an increased risk. All drivers should pass an MVR check prior to employment and such checks should be performed on an annual basis.

Property Insurance for Crematories – Since crematories use large furnaces that reach very high temperatures, there is a risk of property damage due to furnace overheating and fires. All electrical systems and wiring should be adequate to handle the load requirements. Manufacturers instructions should be followed on the repair and maintenance on furnaces.

Crime Insurance for Crematories – Crime may occur due to dishonest employees who steal money from their employers. The usual controls for crematories should be present such as countersignatures on checks and separation of duties.