Funeral Service Providers

special-programs-funeral-directors-insuranceFuneral Service Insurance Program

Taking care of the needs of a family following the death of a loved one is a huge responsibility.

Taking care of your own professional business needs deserves much of the same attention.

Our Comprehensive Commercial Insurance Program is designed in conjunction with the OFSA.

The program is designed to meet the unique needs of the funeral profession and at Lackner McLennan we are committed to ensuring outstanding value.

Coverage includes:

Property

  • “All-risk” coverage for your building, equipment and stock usual to your business operation.
  • Loss of Business Income on an Actual Loss Sustained basis.
  • Property of others held in your care, custody and control.
  • Legal liability for the personal effects of the deceased.
  • Computer equipment including software and media.
  • Damage as a result of temperature changes associated with damage to heating or cooling systems.
  • Property while in transit.

Boiler and Machinery

Equipment breakdown for mechanical, electrical and/or pressure vessels due to electrical arcing, mechanical breakdown, rupture or cracking.

Crime

Broad Form Money and Securities kept on your premises, or as you are taking it to deposit.

Liability

Commercial General Liability Form including broad extensions Professional Liability you assume as a mortician, funeral director or embalmer Liability assumed by you in the course of advertising your business in periodicals, brochures, radio or TV.

Automobile

Our Automobile Rates are competitive for all your auto needs: Funeral Coaches, Lead Cars and Service Vehicles, including vehicles for bereaved families.

Legal Expense Insurance

Legal disputes happen and when they do, legal bills can quickly run up to thousands of dollars. Legal Expense insurance will provide the means for you to obtain practical advice and priceless piece of mind should an issue arise with your business.

As a business owner with a Legal Expense insurance policy, you would receive:

  • Free, unlimited access to a Legal Advice Helpline to discuss any business related legal matter (including tax advice)
  • Cost coverage for all reasonable costs incurred in pursuing or defending a claim including:
    • Lawyer fees
    • Disbursements such as medical reports, expert witness costs and court costs
    • Adverse costs in the event the judge finds in the other party’s favour

    Coverage includes:

    • Employment Disputes in Canada
    • Defence from Criminal prosecution relating to your business
    • Statutory license protection
    • Tax Audit or appeal
    • Telephone legal advice

    Optional Coverage is also available for:

    • Contract disputes related to the buying and selling of goods and/or service, including debt recovery

The policy is written for a 12 month period and is renewable annually. The limit per claim is $200,000 with a $1,000,000 Aggregate Limit for all claims within a policy period.

Call or email for your free no obligation quotation:

Cynthia Roth
Tel: 519-579-3333 x 309
croth@lmicanada.com

Andrew Kirkwood
Tel: 519-579-3333 x 327
akirkwood@lmicanada.com

Ashley Holinshead
Tel: 519-579-3333 x 310
aholinshead@lmicanada.com