Having a hearse as part of your business can be a great investment. If you have a funeral home, it’s a good idea to provide funeral vehicle service so your clients don’t have to go elsewhere. Maybe you run your own funeral vehicle company and your whole business revolves around these vehicles. Or you might have an entertainment company and offer a hearse for events or special rides. No matter how you utilize the vehicle, you should also carry proper hearse insurance to protect your assets.
Hearses and other funeral vehicles are specialized vehicles that require specialized coverage. They’re expensive, but they can make you and your business quite a lot of money. At the same time, they can cost you a lot if you don’t protect them. So, let SafeLine Truck Insurance take care of your hearses!
Do You Need Hearse Insurance?
Like any commercial automobile, your hearse requires coverage. You need to have liability insurance as required by law. It will pay for other people’s bodily injury and property damage if you are at fault in an accident.
Another important coverage is physical damage insurance. While you don’t have to have this insurance coverage, why take the risk? Liability is a great place to start, but it doesn’t protect your vehicle itself like physical damage does. It includes collision insurance and comprehensive insurance. The former will protect you in case of a crash, while the latter will cover you when your hearse is damaged.
It’s also a good idea to have Med Pay on your hearse. No matter who is at fault, it will cover medical bills for your driver and the passengers in your hearse. There is additional coverage you can add to your hearse insurance to fill any gaps.