Funeral Directors’ Insurance

✓ Business combined insurance

Comprehensive protection designed to cover the core risks of running a funeral business, bringing essential covers together under a single policy.

• Buildings & contents – Cover your premises, contents, and business assets, including personal possessions of the deceased.

• 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 due to insured damage.

• Goods in transit – Cover for items that are 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.

✓ Motor & fleet cover

Protection for vehicles used within your funeral business, including hearse and funeral car insurance, with specialist optional features such as 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

✓ Specialist vehicles

Cover for a range of specialist vehicles including hearses, limousines, private ambulances and classic vehicles (subject to underwriting).

✓ 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.

✓ Funeral breakdown cover

Tailor‑made breakdown cover for funeral vehicles, with UK‑wide assistance, specialist recovery for hearses and limousines, and emergency onward transportation during services.

✓ 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.

Do I need Funeral Directors’ Insurance?

Some parts of Funeral Directors’ Insurance are legally required, while others are recommended to provide broader financial protection. If you employ staff, Employers’ Liability Insurance is a legal requirement, and any vehicles used for business purposes must also be insured.

Beyond these essentials, funeral directors face specialist risks that standard policies may not cover. Tailored insurance can help protect your business, employees, reputation and operations from unexpected events.

Can I insure young drivers on Funeral Directors’ Insurance?

Yes. At Howden, we can cover young drivers from age 18 and above, depending on the type of vehicle being driven. This flexibility can be particularly valuable for family-run funeral businesses and firms introducing newer staff to their fleet.

Our specialist motor policies also include competitively priced any licensed driver cover for drivers over 21, alongside specialist loss of use insurance for hearses, limousines and private ambulances, regardless of fault. This helps keep your business moving if a key vehicle is temporarily off the road.

What vehicles are covered?

We can cover the full range of vehicles used by funeral directors, including standard cars, hearses, limousines and even classic or specialist funeral vehicles. For funeral car insurance you can rely on, you’re in the right place.

Whether you run modern hearses, limousines, private ambulances, family cars or vintage ceremonial vehicles, your policy can be tailored to cover them all in one specialist package.

How much does Funeral Directors’ Insurance cost?

There’s no fixed price for Funeral Directors’ Insurance because every funeral business is different, and costs depend on the level of cover you need. Factors such as the size of your premises, the number of staff you employ, the vehicles you operate and the specialist equipment you use all influence the final premium.

Because funeral directors face unique risks, from caring for the deceased to running mortuary facilities and managing fleets, your insurance is tailored to your specific operations. The best way to get an accurate cost is to speak with a specialist who can assess your needs and provide a personalised quote.