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:
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 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.
Brennan P. Regan, Vice President
