Specialist cover for funeral directors, crematorium, and memorial service providers.
At Funeral Industry Insurance Brokers (Fiib), we understand that the funeral industry operates in a unique environment; one where professionalism, care, and reliability are paramount. Your work goes beyond running a business; it’s about supporting families during one of life’s most difficult times. With that responsibility comes specialised risks that require more than just a standard insurance policy.
That’s why we’ve developed a suite of tailored insurance solutions designed specifically for funeral directors and related businesses. From protecting your vehicles and premises to safeguarding your leadership team and ensuring business continuity, our role is to help you operate with confidence and peace of mind.
Why choose us
Since 1998, Funeral Industry Insurance Brokers (Fiib) has been associated with the Funeral Industry.
We understand the unique operational and reputational risks faced by funeral service providers.
Policies designed to fit your business, not the other way around.
We act on your behalf to help achieve the best possible outcome.
Whether you’re in a major city or a regional community, we’re here for you.
How we work with you
We take time to learn about your services, facilities, fleet, and operations.
We highlight potential exposures and compliance requirements.
We build a package that addresses your specific needs.
We’re with you every step of the way if something goes wrong.
Let’s protect your business together
Your clients trust you during their most difficult times. You can trust us to protect your business, your people, and your reputation.
Our funeral industry insurance solutions
Business Insurance
Specialised insurance to protect your premises, people, and peace of mind.
A tailored Business Insurance policy can help protect your property, assets, income, and liabilities against unforeseen events. This can include cover for:
- Buildings and Contents – Protection for your premises, furniture, fittings, and fixtures.
- Stock and Equipment – From mortuary tools to ceremonial items, we can arrange cover for the items that keep your business running.
- Public and Products Liability – Protecting you if your business is found legally liable for injury or property damage.
- Theft/Burglary – Cover for stolen property or damage caused during a break-in.
- Money – Protection for cash on your premises, in transit, or on deposit.
- Glass – For internal and external glass breakage, including signage.
- General Property – Portable items such as laptops, tools, and ceremonial equipment.
- Engineering/Machinery Breakdown – Cover for essential mortuary and crematorium machinery.
- Electronic Equipment – Protection for computers, audio-visual systems, and other electronics.
- New-for-Old Replacement – Replace damaged or lost items with brand new equivalents.
- Flood Cover – Additional protection for weather-related water damage.
- Business Interruption – Cover for loss of profit if your operations are disrupted by an insured event.
Business Travel Insurance
Business Travel Insurance can provide financial protection and support services so you and your staff can travel for work with peace of mind.
- Unexpected events happen – Flight delays, lost baggage, or illness can disrupt even the most carefully planned trip.
- Financial protection – Covers the extra costs that arise when plans change unexpectedly.
- Worldwide cover – Whether your business travel is within Australia or overseas.
- Overseas medical expenses – Including emergency treatment and evacuation.
- Trip cancellation or disruption – Reimbursement for prepaid costs if travel is cancelled or cut short due to unforeseen circumstances.
- Lost or delayed baggage – Cover for essential items and replacement costs.
- Personal liability – Protection if you’re held legally liable for injury or property damage while travelling.
- Rental vehicle excess – Cover for the excess payable if a hire vehicle is damaged or stolen.
- Additional expenses – Accommodation, meals, and transport costs caused by delays or changes outside your control.
Management Liability Insurance
Management Liability insurance helps cover the costs of investigating, defending, or settling claims made against your business, its leadership, or its employees. This protection can make all the difference when unexpected allegations arise.
- Personal exposure – Directors and officers can be held personally liable for decisions and actions taken in their role.
- Not just for big business – Small to medium sized enterprises in the funeral industry are also at risk.
- Protection against a range of threats – Including mistakes, breaches, or even fraudulent acts committed within your company.
- Legal defence and investigation costs
- Settlements and damages
- Allegations of wrongful acts, breaches of duty, or misrepresentation
- Employment practice claims such as unfair dismissal, harassment, or discrimination
- Claims relating to fraud or dishonesty by directors, officers, or employees
Professional Indemnity Insurance
Professional Indemnity Insurance provides a crucial safety net, helping protect your assets and your brand if a client takes legal action against you because of an error, omission, or act of negligence in your professional services.
- Mistakes can happen – Even with the best processes in place, oversights or misunderstandings may occur.
- The cost of a claim can be significant – Legal defence, settlements, and court costs can quickly add up.
- Reputation protection – Legal disputes can affect how your business is perceived, even if you’re not at fault.
- Legal defence costs
- Settlements or compensation awarded to the claimant
- Claims for errors, omissions, or breaches of professional duty
- Negligence, misrepresentation, or misleading advice
- Unintentional breach of confidentiality or copyright
Specialist Motor Insurance
Specialist cover for the vehicles that keep your services moving.
Our tailored Hearse, Transfer & Motor Vehicle insurance programs are designed specifically for funeral directors, with cover options to protect your fleet, your finances, and your peace of mind.
- Hearses – Agreed Value cover available to protect the full value of these highly customised vehicles.
- Transfer vehicles – Including fit-outs, with cover available up to your nominated sum insured.
- Mourning cars – For dignified family transport during services.
- Private vehicles of business owners – Protecting both personal and business-use vehicles.
- Agreed value cover for hearses – Ensure your hearse is insured for its full, agreed value, reflecting its specialist build and purpose.
- Transfer Vehicle fit-out cover – Protection for specialist modifications and equipment, up to your nominated sum insured.
- Competitive premiums – Affordable rates for hearses, mourning cars, transfer vehicles, and private vehicles.
- Choice of repairer – Select the repairer you trust to maintain the dignity and presentation of your vehicles.
- Excess-free windscreen claims – Keep your vehicles looking professional without paying excess for windscreen repairs or replacement.