Cemeteries face their own unique liabilities, which is why it is important to have insurance coverage specifically designed for these final resting places. The safety of workers and grieving guests are of critical importance, so it is helpful to consider the various liabilities of cemeteries.
Risks for Cemeteries
Cemeteries are heavily trafficked by workers and mourning families, and therefore they are open to numerous risks, including weather exposure, visitor and worker injuries, and vehicle damage. The open-air planning of most cemeteries can make them vulnerable to several kinds of damage. It is also possible for employees to make work-related errors that lead to costly lawsuits. Due to the risks involved, it is important to have insurance that covers the various liabilities of cemeteries.
Types of Coverage
The proper insurance plan includes multiple forms of coverage, including:
- General liability – coverage for lawsuits by injured visitors or employees
- Professional liability – coverage for work-related mistakes
- Directors and officers liability – coverage for losses incurred by directors and officers
- Vehicle damage – coverage for damage caused by vehicle
There are other ways to protect against financial and professional losses, including property and cyber liability coverage. Properly managing business risks will ensure that workers are protected and that families can grieve their loved ones in peace.