Cemetery Insurance

Experience the MemorialPro difference for your cemetery or crematory.
Cemetery photo with flowers

Insurance and Risk Management Solutions for Cemeteries

Regan Agency has specialized in insuring Cemeteries and Crematories for over 35 years.  We are a leading provider of insurance services for the death care industry throughout the United States, offering a wealth of knowledge, comprehensive insurance products, and industry leading risk management advice.  Our team of professionals has the experience you need and is committed to exceeding your expectations.

MemorialPro is a total insurance solution designed exclusively for Cemeteries and Crematories. The program draws upon our experience to

offer an insurance program that provides the specialized coverage needs of Cemeteries & Crematories at a highly competitive price. All coverages offered by MemorialPro are underwritten by an insurance carrier rated A+ “Superior” by A.M. Best & Co.

MemorialPro coverage offerings as compared to standard policy coverage and coverage offered by other programs:


Standard Policy


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 is Available Under Umbrella Policy Up to $15,000,000
Directors & Officers Liability Expanded Claim Trigger Coverage Only Responds to “Claims” as Defined in the Policy Includes Wells Notice, Subpoena, or Target Letter
Employment Practices Liability Separate Policy – No Coverage Under Umbrella Policy Separate Policy – Coverage is Available Under Umbrella Policy 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 – A Separate Policy is Usually Required Included – Limits up to $1,000,000

For MemorialPro, we have partnered with Brownyard Group (www.brownyard.com), a national insurance Program Administrator. Since 1950, Brownyard has developed and provided specialized insurance programs to select industries across the United States. With the help of Brownyard, we can offer MemorialPro to Cemeteries and Crematories nationwide.

MemorialPro claims are handled by Brownyard Claims Management (BCM), a loss-prevention and full-service claims facility that serves all those insured with the Brownyard Group. For 25 years, BCM has been one of the only independent in-house Claims Services within a Program Administrator, meaning your claims experience is their sole focus without any third-party involvement. BCM offers not only fast, fair claim settlement but also fully automated systems and technology solutions. This allows them to act immediately upon the filing of a claim rather than the long-drawn-out claims process often associated with larger insurers.

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

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For more information about MemorialPro:

Brennan P. Regan, Vice President