Cemetery & Crematory Insurance
Insurance for Cemetery, Crematory and Funeral Home Businesses
Brownyard’s Memorialpro® is a specialty insurance solution for cemetery, crematory and funeral home businesses. Brownyard utilized expertise of over 35 years of experience in the death care industry while building this program. Leveraging this expertise and in-depth knowledge of the industry, the program has been customized to accommodate the risks that are unique to the cemetery industry.
Who We Insure:
- Cemeteries
- Cemetery Management
- Crematories
- Funeral Homes
- Mausoleums
Why Choose
Cemetery, crematory, and funeral home operations face unique liability and operational risks. Memorialpro provides brokers with specialized coverage and industry expertise, helping protect clients’ businesses and manage complex exposures.
Core Coverages Include:
- Additional Insured by Contract
- Broadened Named Insured
- Extended Definition of “Bodily Injury”
- Limits to $1M per occurrence/$3M aggregate
Specialized Liability coverage for Cemetery operations including:
- Mental Anguish
- Damage to Casket and Urns
- Memorial Services Related Coverage
- Coverage for Property of Others in your Care, Custody and Control
- Coverage on Buildings, Contents, Loss of Income, and Extra Expense
The Inland Marine Program is designed to offer Mobile Property and Electronic Data Processing (EDP) coverage including:
- Unscheduled Equipment
- Scheduled Equipment
- Electronic Data Processing Coverage
- Accounts Receivable
- Valuable Papers
The Brownyard Business Auto Program is designed especially for the Cemetery industry and offers:
- Broadened “Named Insured” coverage
- Broad “Covered Auto Liability” coverage
- Broad “Towing and Labor Costs” coverage
- Plus many other enhancements to coverage
Employee Dishonesty is offered to protect against service contractor employees who perpetrate dishonest acts against their customers. This can cover:
- Administrators of Employee Pension and Benefit Plans
- Employee Theft/Forgery
- Money and Securities
- Computer Fraud
Also Available:
- Wage & Hour Coverage
- Provides coverage over all of the underlying package policies
Ready to Apply?
Submit completed applications to info@brownyard.com
Questions?
Call Domenic Antinucci at 631-666-5050 ext. 106 for more information about this program
Commercial Property – Requires ACORD forms 125 & 140
Inland Marine – Requires ACORD forms 125, 146 (Equipment Floater Section) & 148 (Electronic Data Processing Section)
Business Auto – Requires ACORD forms 125, 127, 129 and 137
Employee Dishonesty (Crime) – Requires ACORD form 141
Eligibility Map
Key:
- Eligible States
- Eligible States with Exclusive Brokers
- Ineligible States
Eligible States: Call Domenic Antinucci at 631-666-5050 ext. 106 for more information about this program.
New York: Brennan Regan of the Regan Agency, Inc. is our exclusive broker in New York for Memorialpro and accepts sub-brokered business on our behalf. You can contact Brennan directly at 631-669-3434 ext 224 or by email at bregan@reganagency.com.
FAQs - Questions About Cemetery Insurance
Please ask your agent or broker to submit the completed required information as soon as you can. We can usually have a quote for you within a few days.
- For General Liability, Professional Liability, Auto, Property, Inland Marine, Crime, and Excess: Completed, signed MemorialPro application
- For Auto, Property, Inland Marine and Crime: Completed, signed ACORD applications
- For Directors & Officers and EPLI: Completed, signed Arch application
- Five-year loss run information
- We will require the original, signed application to bind coverage
There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We simply require them to submit the following documents to info@brownyard.com:
- W-9 Form
- Agency/Broker License
- Proof of Errors & Omissions (E&O) Insurance – Certificate or Dec Page
- Proof of Fidelity (Crime) Insurance – Certificate or Dec Page
Memorialpro® writes cemetery, crematory and funeral home insurance in all states except AK, FL, HI, & WA.
Yes. Our policies are subject to minimum premiums which vary depending on the coverage limits. Our cemetery program starts with minimums of $5,000 for our insurance package policies.
No, never! Our policy provides a very comprehensive Blanket Additional Insured Endorsement which includes primary and non-contributary language. There is no extra charge for this endorsement or any other additional insured endorsement that may need to be added.
Brownyard Group/Memorialpro is a member of the ICCFA as well as a number of other regional cemetery industry associations.
We only write our program through one of the best carriers who has a rating of A+ (“Superior”).
Our Memorialpro program, insurance for cemeteries, crematories and funeral homes, is admitted in all states that we write in.
The coverages we offer through our program are some of the broadest in the industry at reasonable prices.
No, we value the relationship between you and your insurance representative and encourage you to stay with a local broker for the best possible service.