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Funeral directors, also known as morticians, work in funeral homes to coordinate the processes leading up to a deceased person's burial. Activities include meeting with families of the deceased, organizing transportation of corpses, preparing and embalming bodies, selling caskets, arranging for cremations and memorial services, notifying local newspapers about obituary placements and planning funeral ceremonies.

General Liability Insurance for Funeral Directors – Lawsuits may stem from injuries that take place at funeral homes, which may be likely to happen due to the fragile emotional states of most visitors. Injuries can occur if hazardous conditions exist on the funeral homes’ property as well as if workers are not available to handle emergency situations. All public restrooms should be constructed to code to ensure safety and ADA compliance. There is also a concern of environmental harm if embalming and blood removal takes place at the funeral home. It may have toxic or corrosive impact to the environment if it is not properly disposed of.

Professional Liability (Errors and Omissions) Insurance for Funeral Directors – Professional liability lawsuits can occur when funeral directors fail to handle bodies in the manner requested by families of the deceased. These lawsuits can become serious as they may cause emotional distress to families. Damage to bodies may occur if latches on caskets and hearses are not regularly checked.

Workers’ Compensation Insurance for Funeral Directors – The primary Workers’ Compensation risks for Funeral Directors are the health problems that could result from unsafe handling of embalming fluid or human blood. Workers may also be subject to cuts due to the use of sharp equipment and back injuries due to heavy lifting. Any employee with a prior back injury or similar injury should never attempt to lift anything over 20 lbs. unless they are cleared to do so by their doctor.

Business Auto Liability Insurance for Funeral Directors – Risks for Funeral Directors involve driving automobiles, which are required for the activities that lead up to the cremation or burial of a body. This may include the driving of a hearse, flower car or emergency vehicle for local authorities. Vehicle maintenance programs should be in place to ensure proper working order of vehicles at all times.

Property Insurance for Funeral Directors – Property damage risks include fire and water damage to the funeral home and its contents, including furniture and caskets. Since caskets are typically constructed of wood and fabric, they are very susceptible to fire. Buildings over 20 years of age will be at higher risk of fire if the wiring and electrical systems have not been updated. Theft of embalming fluid may also be a problem, and the risk could be heightened if proper security measures are not taken.

Crime Insurance for Funeral Directors – Crime typically occurs in funeral homes when dishonest employees steal from their employers. Funeral directors should thoroughly check backgrounds and references prior to hiring new employees.