Commercial

Funeral Directors Insurance

Providing essential bespoke cover for funeral professionals.

Funeral Home Motor Private Medical


Like any business, funeral directors should ensure their operations have been properly insured. As there are any number of problems that can hit a business; from the simple and obvious to the more complicated, a funeral director needs to know that their cover will come through. That is why our insurance packages have been designed purely for the funeral profession

With our knowledge of the funeral profession, Lark is the right choice for any funeral professional looking to source tailored insurance solutions that will provide cover that fits their needs. We are able to provide cover in three key areas:

Funeral Home Insurance

A catastrophe at your premises could spell disaster if you do not have the right cover in place. At Lark, our policy provides the following additional covers to compliment your Buildings and Contents insurance:

  • Ornate and gold leaf lettering cover included as standard.

  • Signs up to a maximum of £1,000 (other than neon signs).

  • Cover for the deceased’s personal belongings whilst in your care.

  • Cover for loss of Gross Revenue and Additional Costs of Working following a material damage loss.

  • Employers Liability for £10m and Public/Products Liability for £5m (we can increase cover to over £5m upon request).

  • All Risks cover anywhere in the UK (available on request).

  • Sections covered automatically include Money, Goods In Transit, and Legal Expenses.

  • Cover for Headstones and Statues left in the open (loss of or damage to memorials, monuments, and statues left in the open at the premises).

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Motor Fleet Insurance

You have invested time, money and effort in building up your fleet of vehicles. They are extremely valuable and are the shop window for your business. Lark’s specialist Motor Fleet policy has a range of benefits that funeral directors will find invaluable, including:

  • Loss of or Damage to your vehicle (includes Theft and Malicious/Accidental Damage).

  • Legal Liability to Third Parties.

  • Personal Belongings within a vehicle (up to a maximum of £250).

  • Loss of Use, irrespective of fault, for Hearses, Limousines, and Ambulances.  This allows you to hire a Hearse, Limousine or Ambulance for up to 75 days (cover is provided for up to £300 per day) whilst your damaged vehicle is being repaired - excluding the first 3 days immediately following the incident and up to a maximum of £50,000 for any one incident.

  • Uninsured Loss Recovery (this provides a legal service to recover any additional costs you incur should you be involved in a non-fault accident).

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Private Medical Insurance

Caring for your own health and wellbeing is a priority. We can arrange highly competitive private medical insurance from the most basic of cover to extensive health plans.

With access to all of the major insurance providers, we will find the policy that’s exactly right for you. We’ll do the hard work so you can focus on running your business, safe in the knowledge that you’ll be protected should anything go wrong.
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