Dignified Protection for Your Home and Services.
You provide essential, 24/7 care to families. We provide the specialized, discreet insurance to protect your property, your fleet, and your professional reputation.
Comprehensive Coverage for Your Funeral Home
A standard business policy won't cover your most critical risks. We build a comprehensive program that includes:
Professional Liability (E&O): Essential. Covers claims of negligence or errors in providing professional services (e.g., embalming, cremation, burial services).
Commercial Property: Protects your funeral home, chapels, and specialized equipment (e.g., cremators, refrigeration units).
Commercial Auto: Critical. Covers your entire fleet, including hearses, flower cars, and service vehicles.
Bailee's Liability: Covers loss or damage to the personal effects of the deceased while in your "care, custody, or control."
General Liability: Protects you from claims of guest injury (e.g., a slip-and-fall during a service).
Equipment Breakdown: For your critical equipment, including cremators, refrigeration, and HVAC systems.
“Our company’s relationship with Joe Rueter goes back 20 years. He has the risk management expertise... and the personal commitment that creates trust — and that’s important to us. He’s hands-on and part of our team. When we find people with Joe’s qualities, we’re loyal to them.”
A Partner You Can Trust, Year After Year
A 'Hands-On' Partner Who Understands Your Business
We are a 'family-owned business' and 'boutique agency'. We understand the personal, sensitive nature of your work. We are 'personable, knowledgeable, and very easy to work with'—a true risk management partner, not just an agent.
1. Expert Risk Analysis: We'll review your operations, from your professional service protocols to your fleet safety and property protection.
2. Tailored Program Design: We shop policies from top-rated carriers to build a comprehensive program that covers your unique professional and property liability.
3. 'Perfect 10' Service: You provide 'perfect 10' service to your families, and we do the same for you. You get a 'personable, knowledgeable' partner who is 'always ready to take time to help us.'
Get the Expert Protection Your Home Deserves
Schedule a confidential review of your current funeral home insurance.
Or Call Our Commercial Team: 215-637-8223