Florida Funeral Home Insurance (Quotes, Cost & Coverage)

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Frequently Asked Questions About
Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Florida Funeral Home Insurance

FL Funeral Home Insurance

Florida Funeral Home Insurance. Funeral home insurance policy is vital for businesses including funeral homes, which typically require coverage for a variety of costs including property damage and work-related bodily harm. On the whole, funeral homes require several insurance policies, each of which needs to be catered to your specific business.

No two funeral homes provide exactly the same service, and your commercial insurance needs might differ from your competitors. That's why each of these policies can be customized to meet your specific requirements. That's is why the smartest move a funeral home can make is to ensure they are properly protected with an-adequate Florida funeral home insurance policy.

Florida funeral home insurance protects your mortuary from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Commercial General Liability Insurance

This type of policy covers any costs associated with a number of events including lawsuits, settlements, employee injury, or property damage involving a third party. If for instance, a mourner slips and falls inside your business premises; or one of your workers damages a customer's vehicle while going about their business, general liability insurance can help with expenses relating to property damage and/or medical costs.

The business itself needs coverage for property damage (i.e., to protect assets and fixtures inside the building) in case of a hazardous event such as fires, storm, theft, and vandalism. Your premises probably needs coverage for items such as:

  • Office equipment including computers and other electronics
  • Specialized equipment for embalming
  • Business property such as coffins on display or for sale

Some businesses are eligible for a comprehensive insurance package known as Business Owners' Policy (BOP), which offers liability insurance, property insurance, and business interruption insurance in an affordable package. Discuss this with your insurance agent to find out what types of Florida funeral home insurance packages your business is eligible for.

Special FL Funeral Home & Director Liability Coverage

In order to establish an infallible insurance policy, both the funeral home and directors may require additional liability protection to boost your basic CGL policy and to safeguard specific standalone policies. This may include:

  • Directors & Officers liability insurance: This is meant to protect essential decision makers in the business (e.g., board of directors) from any legal issues arising from misconduct or poor decisions. Without this form of protection, individuals in management position may lose their assets in a lawsuit if found to have done any of the following:
    • Bad investment decisions
    • Illegal hiring and firing
    • Releasing confidential information to the public
    • Failure to maintain property
    • Gross negligence
    • Conflicts of interest
  • Professional liability insurance: It is not uncommon for funeral directors to be accused of negligence or error, resulting in financial harm to the family of the deceased. Regardless of the validity of the claim, your professional liability policy can help cover costs when proving your case.

Commercial Auto Insurance Coverage for Hearses and other Company Vehicles

Driving is a major part of the funeral home business, and businesses that own fleets of hearses, trucks, cargo vans, and passenger cars need insurance coverage for both the vehicles and the drivers.

  • Commercial Auto Insurance: This policy covers a number of things including collision and comprehensive motorist coverage for commercial vehicles. Coverage is normally based on two things; the way your vehicles are used in the business, and the persons responsible for driving them. For individuals who prefer to hire or lease business vehicles - or if you and your workers use personal vehicles for business purposes, additional coverage may be required. FL commercial auto policies typically cover the following:
    • Vehicles owned and operated by your business
    • Vehicles owned or leased by your business
    • All vehicles used for business purposes (this includes vehicles not owned, hired, or leased by the business, e.g., a personal car used to conduct business).

You can choose to list the vehicles separately on your auto policy based on each vehicle's characteristics and corresponding Florida funeral home insurance coverage.

Additional Policies

Aside from the standard Florida funeral home insurance policy, you can explore other options with your insurance agent to find out ways in which you can protect your business and employees.

Worker's compensation insurance policy protects your workers from costs relating to illness and injury and is required for any non-owner employees in most states. On the other hand, a package such as excess liability coverage can provide additional coverage or supplemental liability protection, giving your business coverage beyond the normal limits offered by standard policies.

Other types of coverage that may be of interest include pollution liability insurance, employment practices liability insurance, and employee theft or crime. When shopping for the best FL funeral home insurance, discuss with your agent all items that may need coverage, and find a policy tailored to your specific business. Small businesses need a trusted advisor who will be able to guide them in finding quality, affordable insurance that shields them from the myriad problems that can arise at the workplace.

Florida Economic Data And Commercial Insurance Requirements

If you are thinking about starting up a business in the state of Florida, it's important to understand the economic standing of the state before you set up shop. Furthermore, you should understand the rules and regulations regarding FL commercial insurance.

Made In Florida

With this information, you will be able to determine if Florida is the right place for your business, and if so, what type of insurance you will need to carry to protect yourself, your employees, and the people that you serve.

Economic Trends For Businesses In FL

Florida is known as the sunshine state, and the economic outlook for this state is just as bright as the weather. It is estimated that the economy in Florida will reach $1 trillion by the end of the 2018 calendar year. However, while financially, the economy is expected to boom, it is forecasted that job growth will decline.

The reason for the economic boom? While businesses do certainly contribute to the economy, industry isn't the reason why Florida's economy is expected to soar; the residents that move to the state are largely responsible for its economic growth. Approximately 898 people move to Florida every day, and those new residents bring a tremendous amount of income for the state.

In terms of job growth, the rate of new jobs has been its highest since 2007; however, it is forecasted to slow during 2018. Approximately 180,000 new jobs will be added in 2018, which is slightly less than the new jobs that were added in 2017.

The industries that contribute the most to Florida's economy include:

  • Agriculture
  • Aviation & Aerospace
  • Financial Services
  • Healthcare
  • International Trade
  • Life Sciences
  • Tourism
Commercial Insurance: Regulations & Limits In Florida

The Florida Office of Insurance Regulation regulates insurance in FL. The only type of coverage that business owners must carry is workers' compensation. Organizations in any industry must carry this type of coverage if they employ a staff of hourly or salaried workers. But, organizations that employ three or less people are not legally required to carry this type of coverage.

Business owners are also required to carry commercial auto insurance if they use any vehicles for their operations, such as making deliveries or transporting goods. Commercial liability insurance is another type of coverage that Florida business owners should consider carrying, though they are not legally required to have this type of insurance.

Additional Resources For Retail Insurance

Read valuable small business retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Retail Insurance

The businessowners policy was designed with retail exposures and operations in mind. For this reason alone, it should always be the first type of package coverage to consider. However, for those risks not eligible for the business owners policy program, the commercial package policy (CPP) is a practical and convenient way to combine a number of coverages into one policy.

Retail businesses generate income through interaction with customers. This interaction is also how a customer can sustain an injury and then sue the retailer for damages. Hazards, exposures and operations both on premises and off are important and must be covered, but liability the retailer may incur because of the merchandise sold must also be considered and insurance protection arranged.

Inventory or stock is the major property exposure for most retail operations. Because stock values tend to fluctuate or have significant peaks at certain times of the year, value reporting or peak season valuation options should be considered. Business income coverage, including business income from dependent properties coverage, may mean the difference between a retail operation staying in business or being forced into bankruptcy following a loss.

When the insured occupies a non-owned building, insurance coverage must be arranged for the insured’s interest in extensive improvements and betterments made to the premises.

Most retail businesses offer endless opportunities for a variety of criminal activities. For this reason, the coverages needed must be carefully evaluated. Holdup and robbery losses may be the most obvious concerns but employee theft, fraud and counterfeit money losses are also serious issues that cannot be dismissed.

Retail businesses are gaining greater exposure to international issues because of the growth in sales via the internet. As these sales increase, the added exposures faced by these retailers must be evaluated. While their operating horizons are expanding so are their potential loss exposures.


Request a free Florida Funeral Home insurance quote in Altamonte Springs, Apopka, Aventura, Boca Raton, Bonita Springs, Boynton Beach, Bradenton, Cape Coral, Casselberry, Clearwater, Clermont, Coconut Creek, Cooper City, Coral Gables, Coral Springs, Crestview, Cutler Bay, Dania Beach, Davie, Daytona Beach, DeLand, Deerfield Beach, Delray Beach, Deltona, Doral, Dunedin, Edgewater, Fort Lauderdale, Fort Myers, Fort Pierce, Gainesville, Greenacres, Haines City, Hallandale Beach, Hialeah Gardens, Hialeah, Hollywood, Homestead, Jacksonville Beach, Jacksonville, Jupiter, Key West, Kissimmee, Lake Worth, Lakeland, Largo, Lauderdale Lakes, Lauderhill, Leesburg, Margate, Melbourne, Miami Beach, Miami Gardens, Miami Lakes, Miami, Miramar, New Smyrna Beach, North Lauderdale, North Miami Beach, North Miami, North Port, Oakland Park, Ocala, Ocoee, Orlando, Ormond Beach, Oviedo, Palm Bay, Palm Beach Gardens, Palm Coast, Palmetto Bay, Panama City, Parkland, Pembroke Pines, Pensacola, Pinellas Park, Plant City, Plantation, Pompano Beach, Port Orange, Port St. Lucie, Riviera Beach, Rockledge, Royal Palm Beach, Sanford, Sarasota, Sebastian, St. Cloud, St. Petersburg, Sunny Isles Beach, Sunrise, Tallahassee, Tamarac, Tampa, Tarpon Springs, Temple Terrace, Titusville, Venice, Wellington, West Palm Beach, Weston, Winter Garden, Winter Haven, Winter Park, Winter Springs and all other cities in FL - The Sunshine State.


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