Running a cemetery means being there for people experiencing some of the darkest days of their lives. While you want to extend patience and understanding, it’s important to recognize risks that arise with heightened emotions. Lawsuits are not uncommon since visitors and employees alike can become injured or aggrieved while on the grounds. Insurance coverages for a cemetery can help mitigate the chance that one wrong move could jeopardize the business.
1. General Liability
Cemeteries are usually available to the general public, which makes it critical that insurance coverages take into account possible visitor injuries or illnesses while on the premises. Damages to a person or property on cemetery grounds are typically covered under a general liability policy, preventing your business from fronting costs of those accidents.
2. Professional Liability
Physical risks aren’t the only danger faced by cemetery businesses. Distraught customers may react strongly to unforeseen or preventable issues. For example, if a plot has been poorly or incorrectly placed, visitors may sue the cemetery for both professional neglect and emotional damages.
3. Property Liability
Since most cemeteries are predominantly outdoors, they are usually subjected to whims of weather and open visitation hours. Natural disasters such as heavy flooding may damage existing burial sites. Acts of vandalism can also occur due to unrestricted access.
If you’re looking to mitigate as much risk as possible, adequate insurance coverages for a cemetery are a critical component of long-term success. It affords the opportunity to support your customers through difficult times while simultaneously protecting the business from disaster.