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For funeral directors
We’ll put your mind at rest By focusing on the specific risks your business faces, our Deluxe Funeral Directors
Program gives you pinpointed insurance protection that many companies don’t offer.
Our package includes the special coverages you need for your business, plus you can add
plenty of optional coverages and related life insurance protection. The result is a unique
business owners package that is very good for your business.
If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
Our coverages dovetail with your daily operations, providing unique protection and
value in a single package. Most reassuring, our program covers you against a broad range
of claims for bodily injury or property damage caused by your or your employees. We even
protect you against claims arising from physical injury to a deceased person in your care,
or from damage to cremated remains or to containers holding the ashes—coverages not
found in most policies. Also included are:
- Damage to autos We pay for damage you cause to vehicles left in your care for
attending, parking or storing.
- Medical expenses We cover you for expenses incurred by anyone (other than an
officer or employee) injured due to an accident related to your business.
- Legal defense We defend suits arising from job-related acts of your employees.
- Personal injury/advertising injury We cover you for sums you are obligated to pay
for offenses you commit in the course of conducting your business or advertising your
products and services.
Exceptional off-premises coverage Unlike most policies, ours provides coverage
for your business property—and property of others left in your care—while the
items are at the chapel, in transit, at the grave site or anywhere else off premises.
You’re insured for tents, carriers, lifts, portable radio and telephone equipment,
and other items you use for funeral and memorial services, as well as oxygen tanks,
monitors, stretchers and portable equipment related to an ambulance service you may
provide to your community.
Unique coverage to preserve bodies This exclusive Harleysville coverage pays to
move and preserve corpses away from your property following off-premises power failure or
loss of other utility service. (Most policies exclude power failure.)
Extended business income coverage If you business activity is interrupted by
covered damage on your premises, we’ll provide unlimited coverage for up to 12 months
for the loss of income you sustain and extra expenses you incur to keep your business
going. Within that year, we’ll continue coverage for up to 30 days after
repairs are complete if your income has not returned to normal levels.
Our Deluxe Funeral Directors Program also includes these important all-around business
coverages:
- Valuable papers and records coverage to restore or replace these documents.
- Accounts receivable coverage for money you are unable to collect because these
records are destroyed.
- Money and securities for funds that are stolen or destroyed while on or off your
premises.
- Theft of jewelry and furs to protect property of others stolen from your premises
while it is in your care.
- Trees, shrubs, plants and lawns
- Sewer/drain backup coverage for damage caused by backed-up sewers or drains.
- Fire department service charges
Of course, our Deluxe Funeral Directors Program also provides all the fundamental
property and general liability coverages found in standard commercial policies to protect
your building, contents, premises and operations, plus many other tried-and-true coverages
to guard your practice against financial loss.
Optional coverages for your business
We offer over 35 options to help you customize your dentists program, including:
- Professional liability We offer very competitive professional liability rates.
- Systems breakdown For heating, air conditioning and electrical systems used to
maintain your business.
- CompuPak® Comprehensive coverage to insure your information processing systems
against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many
other types of loss. Covers both your hardware and software.
- Group coverages Group term life and short-term or long-term disability coverage
is available to protect—and help you retain—your employees. The cost is
surprisingly low.
- Business continuation This coverage integrates a funded buy/sell agreement into
your plan, protecting the interest of the owners and the future of your operations.
- Building ordinance or law coverage To cover increased costs in construction
related to local or federal regulations.
- Employee dishonesty With your choice of limits per occurrence.
- Employment practices liability This coverage protects you against loss resulting
from a wide range of employee lawsuits, including discrimination, sexual harassment and
wrongful termination.
- Employee benefits liability coverage To protect you against errors and omissions
in administering your employee plans.
- Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
funds.
- Workers compensation Yes, this absolutely essential coverage is available for
your business. Ask your agent for details.
Life insurance to protect you and your business
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans Owners of small businesses can turn to either a SEP-IRA
or a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection This coverage can secure the funds needed to pay off a
company’s debt upon the death of an owner, helping the business continue as a viable
entity during this difficult time.
- Non-qualified executive plans A business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of the business.
Your other insurance needs
Harleysville offers a full line of products to cover all of your other business and
personal protection needs:
- Automobile For your business and personal use
- Homeowners Complete coverage for your personal property and liability needs
- Life Choose from a wide variety of life insurance plans to protect you and your
family
- Excess liability Broader coverage for losses above the limit of your underlying
policies
- Shipmate® Coverage for your boat and liability for protection for you
- And much, much more
Want to know more about our funeral directors’ program? Contact an agent in your area, or get in touch with
our office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.
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