Professional Indemnity Insurance for Funeral Directors
Professional indemnity insurance is recommended for all practicing Funeral directors. As a Funeral Director, professional indemnity insurance defends you against any claims made by loved ones for unethical or unprofessional conduct at the funeral and errors or omissions relating to cremation or disposition of the body.
Public Liability Insurance for Funeral Directors
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.
Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.
Why do Funeral directors require professional indemnity insurance?
The death of a loved one is often a difficult and traumatic time for the family and friends of the deceased, and the role of a Funeral director is very important .All the duties of a Funeral director are to be performed with great sensitivity. The basic essential duties of a Funeral director are as follows:
- Transporting the deceased
- Preparing the deceased for the funeral service
- Making preparations for friends and relatives to assemble and pay their last respects to the departed
- Cremation or burial of the body
- Essential paperwork formalities
Key exposures for Funeral directors:
- Negligence in cremation or disposition of the deceased.
- Lack of professionalism or ethical conduct at the funeral.
- Inappropriate memorial rituals.
- Mishandling and abuse of the deceased.
- Improper embalming of the deceased.
- Molestation/Necrophilia (the sexual attraction to corpses )
- Failure to adhere strictly to procedures and regulations or errors in performance which may give rise to mental anguish claims
- Improper or incomplete preparation of the deceased
- Mental anguish is high and can relate to a number of claims on varying grounds
- Theft of the deceased personal effects may be covered if the loss arises out of an alleged professional error
- Claims as a result of poor shipping advice of deceased estates from overseas
Why purchase your Professional Indemnity Insurance through Express Insurance?
With Express Insurance, you can source a PI quote in seconds, and have the option of adding Public Liability Insurance. You can then proceed to buy the insurance and produce your Certificate of Insurance in minutes, or alternatively save the quote back to your email account for buying later.
And we save your details on Renewal of your insurance, making the process of renewing your PI Insurance even easier and quicker.
Throughout your experience with us our team of highly experienced PI specialists are a phone call away !
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.