Funeral Vehicle Insurance
Owning your own hearse gives your company an edge. Whether you own a funeral home or an entertainment company, having a hearse allows you to offer services to your clients that competitors may not be able to. A funeral home is able to transport deceased people to their final resting place for example, so that the family and loved ones do not have to acquire that service themselves. An entertainment company can offer specialty drives, rides and events – particularly around popular holidays such as Halloween.
A hearse is an expensive investment for your company. It will give you a return many times over if you take care of it and keep it protected from harm. The last thing your company needs is to have the hearse unavailable to your customers because it was damaged in an auto accident. Protect it from loss – and your company from lost business – by carrying the right kinds and levels of commercial auto insurance. Here are the types of insurance you need to carry for your hearse:
- Liability Insurance – Liability insurance is required by law. This coverage pays the damages inflicted on other people when your hearse causes or is at fault for an auto accident. Liability pays for other people’s injuries and other people’s car damages.
- Bodily Injury – If your hearse causes an auto accident or is found to be at fault for one, the bodily injury portion of your liability coverage pays for the physical harm that was inflicted on the people in the other vehicles. If your hearse rear-ends another car in traffic for example, and a passenger in that vehicle suffers from whiplash, your bodily injury coverage will pay for her medical care. Bodily injury pays for all medical expenses that are a result of the accident, as long as the treating physician feels they are necessary. This includes ambulatory transport, emergency medical care, rehabilitation and physical therapy. Bodily injury coverage will also pay for a person’s lost wages if they are unable to work for a time while recuperating from the accident. It can pay for pain and suffering, and even funeral expenses when fatalities occur.
- Property Damage – When your hearse causes an accident that results in damage to other property, such as dents and other damages to the other vehicle in the accident, the property damages portion of your liability coverage pays for the repairs.