Auto Legal Liability
Funeral directors often travel in their business, and this coverage helps if there’s damage to a vehicle during those travels. This coverage is for the amount sustained in a loss, with a $250 deductible.
Business Income and Extra Expense
If you can’t operate your business because your property or equipment is damaged, we’ll help cover your costs, up to the actual amount of lost income.
Business Personal Property Off-Premises and in Transit
Coverage applies to your equipment and other materials even when you’re not on your own property (for example, when it’s being transported or displayed off-site). The limit is $10,000.
Unfortunately, you can’t always trust your employees. But you can be protected from a dishonest act, with coverage up to $25,000.
EPLI-Free Defense Reimbursement
This coverage pays your business back if you must defend against a lawsuit connected to a worker’s employment. This has a limit of $10,000.
Money and Securities
Cash and checks owned by the funeral home are covered up to $10,000 on the premises, and up to $2,000 when they’re somewhere else.
This coverage covers amounts a funeral director must pay because of negligence, error, or omission, or for not providing professional services.
Like our coverage for money and securities, this coverage applies to important documents with coverage of up to $10,000 on the premises, and up to $5,000 if they are off premises.
Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
8:00 a.m. - 4:30 p.m. (EST)