Funeral Homes & Bereavement Professionals

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FCA’s Bereavement Professionals Insurance Program

We have worked with Canada’s foremost insurance providers to craft FCA’s exclusive (BPI) Bereavement Professionals Insurance Program.  This offering is a custom-tailored package solution designed to address the unique risks faced by licensed funeral home operators and Bereavement sector professionals in Canada.  This program was designed specifically for:

Class 1 & 2 Licensed Funeral Establishment Operators
Class 1 & 2 Licensed Transfer Service Operators
Licensed Funeral Directors
Crematorium & Aquamation Facilities
Cemetery, Burial & Mausoleum Operations

What types of coverage is offered under the Bereavement Professionals Insurance (BPI) Program?

This custom program has been designed to meet the exposures attendant to bereavement sector operations in Canada.  By leveraging FCA’s market relationships and the buying power of our entire portfolio, funeral home operators are able to benefit from preferred rates and terms not found anywhere else in the country.  While coverage may differ depending on the size and scope of your operations, protection can be extended to include:

  • Commercial General Liability Insurance (CGL)
  • Cremation & Aquamation Equipment
  • Fine arts, Stained Glass and Jewelry
  • Mortician’s Errors & Omissions Insurance (E&O)
  • Director’s & Officers Insurance (D&O)
  • Property Insurance – Buildings, Stock & Equipment
  • Pollution Liability Insurance
  • Advertising Liability Insurance
  • Legal Expense Insurance
  • Business Interruption Insurance

3 Most Often Overlooked Insurance Coverages for Funeral Operators


    • Mortician’s Errors & Omissions (E&O)

      An essential policy for any funeral home involved in the embalming, cremation or preparation of the deceased – providing protection against claims of error or negligence.

    • Director’s & Officers (D&O)

      Provides personal financial protection to the company’s directors & officers against the consequences of actual or alleged “wrongful acts” from customers, employees and related third-parties.

    • Pollution Liability

      Coverage that protects against environmental contamination, including the seepage or wrongful disposal of embalming chemicals and pollutants.

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is Canada’s Commercial Insurance Expert Since 1919

FCA has been serving the Canadian bereavement industry with commercial insurance since 1919. We have set the industry standard for turnaround time for both new and existing clients. We pride ourselves in ensuring our clients are receiving the best suite of coverages at a fair price.


In order for FCA to provide Insurance to your Funeral Home operation, there are a few main items we will require.

  1. Copy of your Class 1 or 2 Funeral Establishment Operator’s License
  2. Copy of any applicable Funeral Director License(s)
  3. Signed and Completed Application Form

The annual cost of your insurance policy will vary, depending on a number of factors.  This includes:

  1. The Annual Gross Revenue of your operations
  2. The Scope of Operations (Transfer Service, Crematorium, Funeral Home, Cemetery, Mausoleum)
  3. The number of salaried and hourly employees
  4. The TIV (Total Insured Value) of your property

While policies for smaller operations may start at a minimum premium of $2,500, the quote will largely depend on the details provided in the four main categories above.  Funeral home operators will benefit from our program’s preferred rates and terms achieved by leveraging the buying power of our entire portfolio with insurers.

Here at FCA, we have crafted our B.P.I Insurance Program from the ground up in partnership with some of Canada’s largest insurance companies.  By leveraging the buying power of our entire portfolio, Funeral Home owners are able to benefit from our pre-negotiated market-leading terms and conditions.

As one of Canada’s few remaining independent insurance brokerages, we advocate fiercely on behalf of our clients without ties to any one insurance company.  Our team of over 80 full-time experienced professionals are available around the clock to deliver exceptional service and a client-first approach.

Why Choose FCA Insurance?

Advanced Market Intelligence

We know insurance. Offering comparative benchmark statistics to advise on how your program stacks up against industry peers.

Trusted by Insurance Markets

Leverage our deep, longstanding relationships with all of the most reputable insurance markets in the industry.

Global Capabilities, Localized Approach

Our highly specialized team offer solutions to even the most complex risks, regardless of jurisdiction.

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Our mission is to make insurance accessible. We put you in control of your insurance experience. FCA informs and empowers you, so you can choose amongst robust options, confident in the value of your protection and in the broad reach of your advocates.

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