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business insurance

Funeral Services Insurance Cover

A comprehensive Kingsbridge package giving you the freedom to build a policy around you and the needs of your funeral services business.

Why Kingsbridge?

With an sector as unique as the funeral industry, a tailored insurance policy is vital to ensure your business is adequately protected. Kingsbridge have taken a fresh approach and developed a product which can adapt to accommodate the changing needs of your business and importantly protect against not just the existing risks to funeral services businesses, but emerging and future risks that the industry is facing:

Policy benefits of our Funeral Insurance Cover

At Kingsbridge, your policy cover is truly bespoke - no assumptions are made on what cover the business requires, allowing the policy to be customised to meet the needs of the business. The policy is designed to grow and adapt as your business changes, ensuring that you are only paying for the cover you need. The policy can include the following:

Scheme launch at BIBA

Kingsbridge Insurance Broker MD, Gary Williamson spoke to Insurance Age content director Jonathan Swift about a hearse that turned heads during the British Insurance Brokers’ Association’s conference in May to support the funeral insurance scheme launching in July 2022.

They also talk about Kingsbridge’s growth as a wholesaler in the schemes space, the impact of being acquired by US broker NSM and future plans.

Frequently Asked Questions

So, you have some questions. We might have already answered them below.

The insurance requirements vary greatly between individual businesses, largely dictated by how the business operates. Whilst some covers are considered essential (such as public liability and employers’ liability if you employ staff), others will be dictated by how you carry out your business and any assets you may own. Some covers will be compulsory by the mortgage provider – such as vehicle and building insurance – whilst other options may be considered important for your business – such as professional indemnity cover to protect the business against claims for professional negligence. If you are unsure as to what cover you should be purchasing, do contact a member of our team who can guide you through the process.

Professional indemnity protects you against professional negligence claims made by third parties during the course of business. Claimants commonly allege a failure to carry out your professional duty and are largely bought by the family of the deceased for emotional distress or financial loss. Claims examples may include failure to prepare the deceased correctly or loss of possessions such as jewellery.

Mistakes can arise at any time, so professional indemnity policies protect you from the financial implications arising from these errors.

Public liability insurance, general liability insurance and third-party liability insurance are all different names for the same thing. Public liability insurance protects against two risks you run every working day; damage to the property of a customer or member of the public and physical injury to a customer, visitor or passer-by.

If a third-party is injured or their property is damaged whilst at your premise or in the course of your business tasks, you could be held responsible. Trips, slips and mishaps can occur even when you’re doing your job with great care. And unfortunately, when they do, legal action is likely to follow. That’s when you need your public liability insurance to cover any damages, compensation or legal fees arising from the claim.

Under statute, you are required to carry out regular inspections of work equipment which falls into three specific categories; lifting equipment, pressure equipment and ventilation equipment. Such inspections may be carried out as part of a maintenance contract or alternatively can be arranged as part of an insurance contract. Engineering inspection cover is a preventative insurance product and provides you with certification that the inspections have been completed to fulfil your legal requirements and can be used as evidence, if required, to defend a liability claim bought in relation to the equipment.

Cyber insurance covers your business from risks related to your technology and IT infrastructure, such as loss of data, damage to IT equipment and ransomware costs. Typically cyber liability covers two types of risks; first party (protecting the businesses assets and covering costs incurred by the business) and third party (covering customer losses including any costs related to breaches in regulations). Cover commonly includes the following sections; business interruption costs, system and data rectification costs, regulatory defence and penalties and cyber extortion and ransom costs.

In the unfortunate event that you need to make a claim, we ask that you contact us without delay on 0151 224 0650 or email funeralservices@kingsbridge.co.uk. Our specialist claims team will assist you through the claims process and will be on hand to answer any questions you may have.

Speak to the experts

Speak to our experts in the sector who will be able to assist you with all your queries.

Rachael Light, BSc (Hons) Dip CII

SPECIALITY LINES MANAGER

Rebecca Bell, LLB (Hons)

TEAM LEADER BROKING

THINGS TO HELP YOU

Useful documents

Policy Wording

Check out our policy document for our funeral service cover

Proposal Form

Check out our funeral service proposal form

Get in touch today

Our policy can cater for the varying needs of the funeral industry, with the ability to expand and adapt with the business, contact us today to arrange your cover.

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