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Is it specifically tailored to the funeral industry?
There are lots of insurances in the market which do not cater for your needs. When you look to buy insurance specific to your requirements, make sure that it’s bespoke and tailored to fit your business. You do not want to buy a bolt on policy or pay for cover that you do not need. -
Is it clear what’s in the small print?
The devil is in the detail, and no more so than when buying an insurance policy. Check that it covers your stock if it’s housed outside and that the wording includes masonry, gravestones and statues and most importantly for how much. -
Are all possessions in your care protected through the policy?
A bespoke policy, which reflects your needs, will ideally cover this. The Clear Funeral Directors policy covers the possessions, not only of your staff, but also your visitors and those departed who have been entrusted into your care. -
Can you combine other insurances into one policy?
Having one policy that covers everything you need makes good business sense. It cuts down on the time you need to arrange this, has one renewal date and can sometimes save you money. An example of additional covers which can be rolled into this, or taken as a standalone policy, includes car and hearse insurance, professional indemnity, Employer’s Liability, Public and Products Liability along with cyber risk. Ask your broker if they offer this as standard. -
Is your broker Chartered?
A Chartered broker is one that has been awarded chartered status by the Chartered Institute of Insurance (CII). It provides you with the assurance that they are a well-managed business, which adheres to the institute’s professional standards. If they are Chartered, they will display this so that you know. -
Do they offer additional services as part of your risk management?
Insurance is only one way to manage your risk. Does your broker offer risk management consultation which can help ensure your claims are kept to a minimum? And do they also offer trade credit insurance which can protect your business against non-payment and improve credit management?
At Clear, we are proud to say that we can answer yes to the questions above, which is why we would be delighted to speak to you about your insurance needs.
Contact us
If you’d like to learn more about funeral directors insurance, visit our webpage or email: funeraldirectors@thecleargroup.com to discuss your insurance needs.
