Protecting funeral professionals with specialist insurance from less than £55* per year
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Get a QuoteOur standard cover is:
As a funeral director or undertaker, having insurance is crucial to fully protect your business across all services – from collecting and transporting deceased loved ones, embalming and funeral preparation, arranging and conducting ceremonies, handling cremated remains, operating mortuaries, through to burial operations.
Our policies provide coverage if a client or mourner is injured during a service or their property is damaged. For example, you could be liable if a distraught family member trips over your funeral equipment at a crematorium.
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Trusted for over 40 years
We’ve been providing insurance to businesses since 1984
Financial Strength
Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer
Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
Complete our simple quote form with basic details about your business.
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Funeral director insurance protects professionals who provide end-of-life services and make arrangements enabling the deceased and grieving families to have dignified, meaningful farewells respecting personal beliefs, customs, budgets and needs.
Disputes can arise over issues like:
Adequate insurance preserves your reputation for empathy and ethical standards, preventing disputes with grieving families from ever escalating beyond civil settlements.
As a funeral director, your services involve extremely sensitive situations dealing with grieving families. Despite your compassion and best efforts, accidents leading to injury or property damage can unexpectedly occur:
Without adequate insurance, just one incident could put your entire business at risk from substantial compensation claims. Our specialist funeral director policies give you complete peace of mind that any public liability claims will be dealt with by your insurer.
In recent years, the risks for funeral directors have increased:
Our comprehensive insurance is designed to address these rising liabilities, helping to protect you, your clients and your business.
We can offer high cover limits across all our funeral director policies. Covers can include:
Covers any injury sustained by clients or damage to their property during services, transportation of remains or other funeral activities. This is often the main protection funeral directors need due to the sensitive situations involved.
Legal Expenses Insurance
Provides specialist legal advice and covers legal costs to protect your business during disputes with suppliers, clients, landlords or local authorities regarding funeral services.
If added, provides protection if mistakes made in arranging ceremonies or handling of remains causes emotional distress for families. For instance, if a funeral is started late or if cremated remains are mixed up. Professional Indemnity insurance can help cover resulting compensation claims related to psychological trauma.
If selected, replaces items lost, stolen or damaged during funeral services, collections, embalming or transportation. Our policies are designed to cover all specialist funeral equipment like:
Our funeral director insurance policies can flexibly be extended to cover any temporary staff, contractors or freelancers you hire to assist with ceremonies, transportation or handling of remains during especially busy periods.
This ensures full legal and insurance protection for your business if engaging extra personnel like:
* Total number of live policies as of 31/10/2025
Funeral directors are vulnerable to public liability claims because of the sensitive nature of their services. For instance, emotional distress can be caused by accidentally losing cremated remains. Such scenarios could lead to substantial payouts without adequate insurance. Our policies cover these risks.
We would cover incidents like:
Our public liability and professional indemnity insurances cover such scenarios so your business isn’t liable for potential five or six-figure claims.
We cover all key services:
Essentially, any claims stemming from accidents or mistakes related to core funeral directing activities leading to injury, damage or emotional distress.
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
