The only insurance program built exclusively for cemeteries and crematories.

35+ years in the death care industry. Nationwide reach. Coverage that reflects what you actually face.

You carry responsibility that most businesses never face. Your coverage should reflect that.

Running a cemetery or crematory means managing one of the most sensitive and operationally complex environments in any industry. Your liability exposure is unique. The emotional stakes are high. Standard insurance programs were not built for what you do.

Regan Agency has specialized in the death care industry for over 35 years. We are a leading provider of insurance services for cemeteries and crematories across the United States. Our team brings deep industry knowledge, comprehensive coverage options, and a genuine understanding of the risks your operation faces every day.

When you work with Regan on cemetery or crematory coverage, you work directly with Brennan Regan, who has spent decades in this industry and knows your risks before you explain them.

A total insurance solution designed exclusively for the death care industry.

Cemetery and crematory operations carry risks that standard policies are not designed to address. That’s why we work with carriers who design programs specifically for the death care industry, including a specialty program (MemorialPro) that offers expanded limits and specialized coverages. All of our programs are underwritten by carriers rated A+ “Superior” or better by A.M. Best & Co., and are available to cemeteries and crematories nationwide.

*Regan Agency is the exclusive broker for MemorialPro in New York and Pennsylvania.

Coverage	Standard Policy	MemorialPro
General Aggregate Limit	$2,000,000	$3,000,000
Products & Completed Operations Aggregate Limit	$2,000,000	$3,000,000
Expanded Definition of Bodily Injury - Mental Anguish	Not Included	Included
Cemetery Professional Liability	Included - Shared Limits with General Liability	Included - Separate Limits
Directors & Officers Liability	Separate Policy - No Coverage Under Umbrella Policy	Separate Policy - Coverage Available Under Umbrella Up to $15,000,000
Directors & Officers Liability Expanded Claim Trigger	Coverage Only Responds to Claims as Defined in Policy	Includes Wells Notice, Subpoena, or Target Letter
Employment Practices Liability	Separate Policy - No Coverage Under Umbrella Policy	Separate Policy - Coverage Available Under Umbrella Up to $15,000,000
Wage & Hour / FLSA Defense Cost Sublimit	Not Covered	Included Up to $500,000
Cyber Liability	Not Covered	Included
Property	Standard ISO Form	Specialized Coverage Available for Historic Property
Maintenance Equipment	Limited Coverage - Often with a Per Item Limit	Full Coverage with Blanket or Unscheduled Limits
Damage to Fences Caused by Vehicles	Excluded	Included - $50,000
Fallen Tree Removal	Excluded	Included - $50,000
Employee Dishonesty	Limited Coverage Available - Separate Policy Usually Required	Included - Limits up to $1,000,000

When a claim happens, right speed matters.

Claims are handled through a dedicated in-house claims facility, one of the only fully in-house services within a specialty program administrator. No third-party delays. No runaround. Fast, fair resolution from a team whose sole focus is your claim. Operating independently for over 25 years, with fully automated systems and technology that allow them to act immediately upon the filing of a claim.

Ready to learn more?

Brennan P. Regan

Agency Principal