FuneralPro™
NIP Programs is pleased to present a specialty insurance program designed specifically to service Funeral Directors nationwide — FuneralProTM. This program is designed to be the most complete and customizable insurance solution for this unique industry.
Program Highlights
- Underwritten in partnership with Argo Select, an AM Best A Rated (Excellent) Carrier
- Competitive Rates
- Superior Customer Service
Eligible Exposures:
- Funeral Director Operations (Businesses that arrange funerals, burials and cremations for their clients).
Coverages:
- Business Owners Policy (BOP) format
- Funeral Directors Professional Liability (up to $1M)
- Funeral Directors Life Insurance Agents E&O (limit $250K)
- Commercial Auto Liability (up to $1M)
- Business Income (ALS)
- Umbrella Liability (up to $3M)
- Workers’ Compensation (Statutory Limits)
Enhanced Coverages through Funeral Directors Advantage and Advantage Plus BOPs:
- Limited Pollution Liability – Embalming Fluids (up to $10,000)
- Property of Others (up to $50,000)
- Personal Effects of the Insured (up to $50,000)
- Exhumation (up to $5,000 occurrence/$15,000 aggregate)
- Preservation of Dead Bodies (up to $7,500)
- Hepatitis: Inoculations (up to $5,000) Business Income (up to $10,000)
- Employee Dishonesty Client Property (up to $5,000)
- D&O – Available
- EPLI – Available
Ineligible Exposures:
- Cemeteries, mausoleums, columbarium, independent contractor embalming.
- Risks with habitation exposures (except for owner with personal liability policy in place with $1M limit).
- Risks located in Florida, Hawaii and Louisiana.
