We’ll take care of your business insurance needs, while you help take care of family matters.

Put our experience and expertise to work for you.

The Leading Provider of Insurance and Risk Management for NY Cemeteries

The Regan Agency is the largest insurer of cemeteries in New York, specializing in protecting cemeteries and crematories against unique risks and challenges that can undermine an operation’s reputation and business success. We provide value-added insurance solutions for cemeteries in New York, New Jersey, and Connecticut, and are proud to be active supporters of the New York State Association of Cemeteries (NYSAC), Metropolitan Cemetery Association (MCA), and the Connecticut Cemetery Association (CCA).

Addressing Business Risks

Operating a cemetery takes a lot work and people to maintain the grounds, provide guidance to grieving families, and make preparations for ceremonies. Risks include liability exposures from slip and falls; property damage as a result of weather events, vandalism, and theft; professional liability lawsuits as a result of plot transfers and mix-ups; employee injuries; and much more. Without the property cemetery insurance, your reputation and the ability to continue to provide your trusted services is on the line.

Having the right insurance means choosing the right partner. The Regan Agency is that partner as we have the knowledge and experience in understanding and addressing the unique risks that come with running a cemetery business. Our professionals have the expertise to design a program for you at a competitive price – a program backed by a top-tier insurance company partner with the financial strength, claims handling staff, and risk management strategies to step in when a loss occurs and help prevent losses from occurring in the first place.

Peace of Mind: Coverages We Provide

The New York Cemetery Insurance Program (NYCIP) was established in 1998 and is available exclusively through us. 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 coverages at a competitive price.

NYCIP is the only program of its kind available to cemeteries in New York:

  • Commercial Property: Provides coverage for your buildings and contents. Covers the costs of making repairs and replacing damaged or destroyed property after certain covered events.
  • Historic Property: Specialized Property coverage for older, ornate, or historically significant buildings. Provides Guaranteed Replacement Cost with a complimentary Property Appraisal Report.
  • General Liability: Coverage for your legal liability to others, primarily visitors to the cemetery, including for property damage to someone else’s property.
  • 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): Protects against management liability claims, including allegations of wrongdoing by directors and officers and employment-related claims such as allegations of discrimination and harassment, wrongful firing, etc.
  • Fiduciary Liability: Provides Liability coverage for those persons responsible for the administration of employee pension and benefit plans.
  • Inland Marine (Tools & Equipment): On a scheduled and unscheduled basis to protect your equipment as it moves around.
  • Business Automobile Coverage: Coverage for licensed vehicles that operate on public roads; can include Hired & Non-Owned Auto insurance to protect you in the event of an accident involving an employee using a leased car or his/her personal vehicle for business purposes.
  • Workers’ Compensation & Employers Liability: Common employee injuries include burns, lost limbs, slips and falls, and back issues from heavy lifting. Dividend plans are available to qualifying risks.
  • Umbrella/Excess Liability: Limits available up to $10,000,000; Excess Limits are also available.

Program Features

  • Dividends to Policyholders: Reflects our clients’ ongoing efforts to control losses and mitigate risk at their cemeteries
  • 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: Includes on-site risk evaluations, loss analysis, safety recommendations, and on-line resources to stem and prevent accidents and losses

We’re Ready to Serve Your Insurance Protection Needs 

We invite you to learn more about the Regan Agency and to give us an opportunity to show you how we can take care of your business and personal insurance needs. Just give one of our professionals a call at 631-669-3434.