Funeral Directors
Complete insurance
protection for Funeral Directors
When you partner with our agency, you're
getting all the insurance protection your
business needs from one agency and most likely,
one company, plus value-added services that
address your unique needs. For your property and
liability exposures, we have many different
programs, but include general information on our
typical program for Funeral Directors.
We can cover your Funeral Home for the
replacement value of your property and lost
income as a result of covered property damage.
But we don't stop there. We also cover business
liability and equipment breakdowns. We offer as
an option an endorsement that provides
customized coverage such as Funeral Directors
Professional Liability, coverage for property of
the deceased, damage to your customer's auto
while in your care, and more. That's complete
protection.
More value. Less worry.
We provide the security you need to feel
confident you've made the right choice. We know
how busy you are, and making time to do all the
things you want isn't easy. That's why our
programs written through A.M Best rated carriers
with A+ ratings, provide built-in, extra
coverage and innovative services that make
protecting what's yours worry free and easy. Our
agency is committed to building relationships by
being customer focused and knowledgeable about
your business protection needs. Protect the
things you care about with the W.E. Davis
Insurance Agency.
Property Coverage
Building Coverage - Our building coverage
also includes garages, storage buildings and
related structures, plus permanently installed
fixtures, equipment and outdoor fixtures. If you
acquire new buildings during the policy period,
they will automatically be covered for 90 days,
up to $500,000 in value.
Business Personal Property - Your stock,
equipment and fixtures are protected on a
replacement cost basis. Personal Property of
others in your care is also covered as part of
your Business Personal Property, without regard
to legal liability.
Equipment Breakdown Coverage - Like many
other business owners, you probably worry about
equipment failure. Our coverage can provide
complete protection including the breakdown of
certain mechanical equipment. That allows you to
concentrate on providing the best possible
service to your customers.
Coverage includes:
- Losses to equipment from mechanical
breakdown and electrical disturbance
- Replacement for lost business
income
- Rental equipment
- $50,000 coverage for the spoilage
of perishable goods resulting from equipment
failure
- State or municipal equipment
inspections at no additional cost
- Loss control services
This coverage applies to a broad range of
equipment including :
- Electrical distribution systems
- Air conditioning and refrigeration
systems
- Heating and hot water boilers
- Air tanks and pressure vessels
- Production and mechanical
equipment
Loss of Business Income and Extra Expense - If a covered loss occurs, you are protected for your lost income and extra expense, including payroll, for actual loss sustained, up to 12 consecutive months, with no limit. Coverage is extended for up to 30 days to include loss of business income from dependent properties.
Accounts Receivable* - $25,000 (includes
credit card receipts)
Computer Equipment* - $25,000
Business Personal Property off Premises -
$25,000
Back up of Sewers or Drains - $25,000
Building Ordinance or Law*
Debris Removal - Up to 25% of Business
Personal Property Limit
Employee Dishonesty* - $10,000
Employees' Tools* - $2,500 per occurrence, no
limit per employee
Fine Arts* - $5,000
Food Contamination Shutdown Coverage
Loss of Business Income - $50,000
Clean up and Medical Expense - $5,000
Forgery and Alteration* - $10,000
Glass*
Money Orders and Counterfeit Paper Currency -
$10,000
Off Premises Power Failure* - $25,000
Outdoor Property*
Seasonal Increase for Business Personal
Property - 25%
Valuable Papers* - $25,000
* - Limit may be increased for an additional
premium charge
The above is a partial list of included
coverage. Give us a call or send an email if you
would like a complete list.
Optional Property Coverage
We know that not all businesses are alike.
That is why we offer optional coverage to give
you the opportunity to fine-tune your insurance
by adding coverage and adjusting limits so that
your policy is right for you.
Liability Coverage
Our Liability coverage will protect you from
a variety of claims against your business
related to bodily injury, property damage,
personal injury and advertising injury. A limit
of $300,000 is included with options up to
$2,000,000.
The following options are also available :
- Funeral Directors Professional Liability
- Hired Auto Liability
- Additional Insured’s
- Employee Benefits Liability
The service doesn't stop when the policy is
issued...
Our customers are valuable to us. We want to
make sure you feel the security that comes from
a company helping to protect the things YOU Care
about. That's why our agency offers superior
Funeral Director Programs which includes a broad
range of protection that is often not covered in
standard policies. Among the innovative and
Customer focused services we provide are :
Loss Control Services
We can help you reduce your risk for loss and
your cost of doing business. We offer
specialized programs such as: Safety Solutions,
Ergo Solutions, Drug Free Workplace, Violence
Prevention Programs, and model safety manuals
for other programs. We provide businesses the
tools they need to create a safety culture.
Guaranteed Repair
Our company’s Guaranteed Repair Program is an
extra safeguard that helps protect you even
after a claim is settled and repairs are made.
The program guarantees that any covered building
or auto repairs made by an carrier approved
contractor or auto service facility will meet
industry standards for quality and workmanship.
And we guarantee the building repair work for
two years after repairs are completed, provided
the building is still insured with us. For
autos, the guarantee is good for as long as you
own the automobile and insure it with that
carrier.
Flexible Premium Payment
Plan
We offer payment plans from Annual to monthly
EFT as well as Credit card payments.
Other Protection You May
Need
Commercial Umbrella - We recommend that you
consider adding this coverage to protect against
unknown catastrophic liability losses. A variety
of limits, up to $50,000,000, is available at an
affordable premium.
Commercial Automobile to protect Limousines
and other vehicles used in funeral service and
during pick up or transfer of the deceased.
The complete protection and service you need
for your business...
One complete program ... serviced by one
agency; W.E. Davis Insurance Agency, Inc. and
one insurer.
For further information or to
discuss your specific coverage needs, contact
our agency at
info@wedavis.com or call us at
1-614-443-0533.
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