What type of insurance must funeral directors carry in Pennsylvania?

In Pennsylvania, funeral directors are required to carry professional liability insurance, also known as errors and omissions insurance. This type of insurance is specifically designed to protect professionals from claims arising due to negligence, errors, or omissions in the services they provide. Given the sensitive nature of funeral services and the potential for claims related to emotional distress or inadequate service delivery, professional liability insurance is crucial for safeguarding the funeral director’s practice against lawsuits that could arise from their professional acts.

While other types of insurance—such as general liability or workers' compensation—may be important for various business operations, they do not address the specific risks associated with the services provided in a funeral home setting. General liability insurance covers claims of bodily injury or property damage, while workers' compensation insurance relates to the protection of employees in case of job-related injuries. Property insurance protects physical assets. However, it is the professional liability insurance that directly covers a funeral director against claims related to their professional services and decisions.