Pet Cremation & Burial Insurance

✓ Motor & fleet cover

Protection for vehicles used within your business, with specialist features such as optional loss‑of‑use cover and flexible driver options.

• Replacement vehicle hire to help keep your business running if a vehicle is off the road (only included if loss-of-use cover is selected)

• No daily hire limit (subject to hire costs being reasonable and necessary), with generous overall caps

• Unlimited windscreen cover (subject to £100 excess)

• European cover on insured vehicles

✓ Flexible driver cover

We can consider a wide range of drivers, including younger drivers aged 18+ (subject to vehicle type), offering added flexibility for family‑run businesses and growing teams.

✓Breakdown cover

Tailor‑made breakdown cover for pet burial & cremation vehicles, with UK‑wide assistance and emergency onward transportation during services.

✓ Business combined insurance

Ideal for funeral sector businesses of all sizes, including those looking for comprehensive insurance for pet crematoriums. It brings essential protections together under a single policy to safeguard your premises, people and day‑to‑day operations.

• Buildings & contents – Cover for your premises, contents, and business assets.

• Public & employers’ liability – Protection for your legal responsibilities to clients, visitors, and employees.

• Business interruption – Financial protection for loss of income and additional costs if your business is disrupted following insured damage.

• Goods in transit – Cover for items while being transported as part of your business activities.

• Loss of business money – Protection against financial loss involving business money, subject to policy terms.

• Personal accident & legal expenses – Additional support to help protect your people and provide legal assistance when needed.

• Directors and officers insurance – Cover for compensation claims against directors and key managers for alleged wrongful acts.

• Professional indemnity insurance – Cover for wrongful advice, errors or omissions made whilst acting in your professional capacity.

✓ Discounted premiums for APPCC members

Association of Private Pet Cemeteries and Crematoria members receive discounted premiums, making it easier for operators to access tailored pet crematorium insurance.

✓ Additional ancillary cover

Alongside your fleet or combined policy, we can arrange separate ancillary policies including equipment breakdown, cyber insurance, business support services and private medical insurance, subject to underwriting.

✓ Personal insurance options

Access to additional personal cover, including private medical insurance and private household insurance, arranged separately to support your wellbeing and protect your home.

It’s important to remember that the availability of these products is subject to our insurer’s terms and conditions. With those in mind, we can you find a comprehensive cover option that’s tailored to you, a pet cremation and burial specialist.

Do I need Pet Cremation & Burial Insurance?

Yes. If you run a pet cremation, burial or memorial business, specialist insurance can help protect against the unique risks involved in caring for pets, supporting bereaved owners and operating cremation or burial facilities.

Pet Cremation & Burial Insurance provides protection for claims, accidents, equipment issues, premises and vehicles. It can also include legally required cover such as Employers’ Liability and Motor Insurance, giving you confidence to operate professionally and securely.

Can I insure young drivers on Pet Cremation and Burial Insurance?

Yes. At Howden, we can cover young drivers from age 18 and over, depending on the type of vehicle they will be driving. This can be particularly valuable for family-run businesses or those bringing newer employees into the role.

Whether younger drivers use cars or vans for collections and returns, we can help arrange a policy that reflects your business needs while helping keep your vehicles, staff and operations protected.

What vehicles are covered?

Pet Cremation & Burial Insurance can cover the vehicles you use to collect, transport and return pets with care – including private cars, vans and specialist transport vehicles adapted for your service. This ensures you’re protected while travelling between homes, veterinary practices, crematoria and burial sites.

Cover can extend to single vehicles or full fleets, and can include equipment carried within them, depending on your policy. Because pet funeral businesses don’t typically use hearses or limousines, the focus is on practical, purpose‑built transport that supports your day‑to‑day operations. Whether you need vehicle cover in pet cremation insurance or pet burial insurance, we can help.

How much does Pet Cremation & Burial Insurance cost?

The cost of Pet Cremation & Burial Insurance varies because every business operates differently – from the services you offer to the equipment you use and the risks you manage day‑to‑day. Factors such as your premises, vehicles, staff, turnover and level of liability cover all influence the final price.

Pet cremation insurance and pet burial business insurance can also differ in cost because the processes involved carry different risks. Cremation businesses may need cover for specialist equipment, machinery and environmental exposure, while burial providers often require protection for land use, manual handling and transportation. That’s why no two quotes are the same – your premium is tailored to the exact nature of your service.