Liability Insurance for Cemeteries & Crematories
Brownyard’s Memorialpro® is a specialty insurance solution for cemeteries and crematories in All States except AK, FL, HI & WA. Written exclusively through agents and brokers, the program was designed to meet the unique risks of:
- Cemeteries
- Cemetery Management
- Crematories
- Mausoleums
During the design of Memorialpro, Brownyard partnered with a leading insurance broker with over 35 years of experience in the cemetery industry. Utilizing this expertise and in-depth knowledge of the industry, the program has been specialized to accommodate the specific challenges it faces. We are active members of numerous cemetery associations.
Coverages
Our team of cemetery insurance professionals is committed to providing broad coverage at a competitive price with a program tailored to the unique risks of the cemetery industry and protecting their valuable assets. Call Domenic Antinucci at 1-800-645-5820 for more information about these coverages.
Brownyard’s Memorialpro Program offers a multi-line Package that includes:
General Liability
Limits to $1M per occurrence/$3m aggregate
Cemetery Professional Liability
Specialized Liability coverage for Cemetery operations including:
- “mental anguish”
- damage to caskets and urns.
Commercial Property
- Coverage for Property of Others in your care, custody and control
- Fine Arts – Art Glass Windows, Fragile Articles, Restoration, Retouching
- Tree Cleanup and Debris Removal due to Wind or Lightning – $1,000 per tree
- Outdoor Fence or Sign Damage due to Wind or Vehicles – $50,000 per location
- Coverage on buildings, contents, loss of income, and extra expense
- Equipment Breakdown coverage
- Flood or Backup of Sewers and Drains – $25,000
- Ordinance or Law coverage – included up to building limit
Inland Marine
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
Business Auto
The Brownyard Business Auto Program is designed especially for the Cemetery industry and offers:
- Broad “Who is Insured” Coverage
- Broad “Covered Auto Liability” Coverage
- Broad “Towing and Labor Costs” Coverage
- Plus many other enhancements to coverage
Employee Dishonesty (Crime)
Employee Dishonesty is offered to protect against service contractor employees who perpetrate dishonest acts against their customers.
- Covers those responsible for the administration of employee pension and benefit plans
- Employee Theft/Forgery
- Money and Securities
- Computer Fraud
Also Available:
Directors & Officers (D&O)/Employment Practices Liability (EPL)
- Limits up to $10,000,000
- Wage & Hour Coverage
Excess Liability
- Limits up to $10,000,000
- Excess coverage over all underlying package cover
Applications
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
Third Party Employee Dishonesty – requires Acord Form 141
Send completed form(s) to:
Brownyard Group
21 Maple Avenue
Bay Shore, NY 11706
Fax: 631-665-8086
Email: info@brownyard.com
FAQs - Questions About Cemetery Insurance
How do we apply for coverage?
Please ask your broker to mail, email or fax the completed required information as soon as you can. There is no need for agents and brokers to be appointed by Brownyard Group to write coverage through our program. We can usually have a quote for you within a few days.
What information is required for a quote?
- For General Liability and Cemetery Professional Liability: Completed, signed Memorialpro application
- For Commercial Excess: Completed, signed Brownyard application
- For Directors & Officers and EPLI: Completed, signed Arch application
- For Auto, Property, Inland Marine and Third Party Dishonesty: Completed, signed ACORD applications
- Four-year loss run information
- Copy of Broker’s License, proof of Errors & Omissions Insurance and a W-9 Form
- We will need the signed, original application to bind coverages, but no original signature is required to quote
In what states is the coverage available?
We write Memorialpro cemetery insurance in all States except AK, FL, HI & WA. View Eligible States.
Are there minimum premiums?
Yes, our policies are subject to minimum premiums as follows:
- $1,500 for the package
Is there a charge for Additional Insureds?
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.
What are your carrier’s ratings?
We only write our program through one of the best carriers who has a rating of A+ (“Superior”).
Is your Program admitted?
Our Memorialpro insurance for cemeteries program is admitted in all states that we write in.
Are your rates competitive?
The coverages we offer through our program are some of the broadest in the industry at reasonable prices.
Can I get a lower premium if I go directly to Brownyard without a broker and their commission?
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.
Is Brownyard a member of the International Cemetery, Cremation & Funeral Association (ICCFA)?
Yes, we are.
Eligibility Map
Eligible States: Contact Domenic Antinucci at 1-800-645-5820 for more information.
New York and Pennsylvania: Brennan Regan of the Regan Agency, Inc. is our exclusive broker in New York and Pennsylvania 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.
Key:
Eligible States
Eligible States with Exclusive Brokers
Ineligible States