January 23, 2018

Cemetery Insurance

For over 30 years Regan Agency has specialized in providing value-added insurance solutions for Cemeteries in New York, New Jersey, and Connecticut.  We are the largest insurer of Cemeteries in New York, and active supporters of the New York State Association of Cemeteries (NYSAC), Metropolitan Cemetery Association (MCA), and the Connecticut Cemetery Association (CCA).  

Cemeteries are a highly sensitive risks with unique coverage needs.  It's important that your insurance be handled by someone who knows the industry and the coverage that you need to protect the valuable assets of the Cemetery.  Our team of Cemetery insurance professionals can design an insurance program with the goal of maximizing coverage at a competitive price.

Coverage Offered:

  • Commercial Property - Buildings, Personal Property, etc...
  • NEW! Historic Property - specialized Property coverage for older, ornate, or historically significant buidlings.  Provides Guaranteed Replacement Cost with a complimentary Property Appraisal Report.
  • General Liability - coverage for your legal liability to others, primarily vistors to the Cemetery. 
  • Cemetery Professional Liability - specialized Liability coverage for Cemeteries that covers claims alleging "mental anguish" and property damage to caskets and urns.
  • Directors & Officers Liability (D&O) - including Employment Practices Liability (EPL).
  • Fiduciary Liability - provides Liability coverage for those persons responsible for the administration of employee pension and benefit plans.
  • Inland Marine (Tools & Equipment) - Scheduled and Unscheduled
  • Business Automobile Coverage - coverage for licensed vehicles that operate on public roads.
  • Workers Compensation & Employers Liability - Dividend plans are avaliable to qualifying risks.
  • Umbrella/Excess Liability - limits available up to $10,000,000.  Excess Limits are also available.


The New York Cemetery Insurance Program (NYCIP) was established in 1998 and is available exclusively through Regan Agency.  Underwritten by The Utica National Insurance Group, NYCIP was created in response to the need for an insurance program in New York that combines all lines of coverage at a competitive price.  NYCIP is the only program of it's kind available to Cemeteries in New York.

Program Highlights:

  • Dividends
  • Package Policy includes Cemetery Professional Liability, Directors & Officers Liability, and Employment Practices Liability
  • CemeteryFLEX Endorsement - $100,000, $250,000, or $500,000 Blanket Limit
  • Cemetery Property Extension Endorsement
  • Hands On Loss Control & Claims Management

Please visit our NYCIP website at www.regan.uticacemeteries.com for additional information about the program. 

For more information on Regan Agency's insurance programs for Cemeteries, please contact Brennan P. Regan (bregan@reganagency.com).