Meaningful professional risks as owner of the company is liable for damages that the owner of the company or an employee to add others. Funeral services are exposed to particular professional risks, which can be protected by appropriate professional indemnity insurance. There are however some hooks in the selection of the correct tariff. A tailor-made insurance protects the undertaker against the financial consequences of damage. This liability protection for undertaker typically consists of two different components: public liability insurance for funeral services asset liability insurance for funeral services business liability insurance for damage to persons and (as well as for consequential damages) comes up: when loading a load car with grave excavation of hired diggers leader makes a mistake and severely injured a cemetery visitor. If, for example, during a memorial service a candle too close to a curtain and it comes to an expensive fire damage by fire. The holder shall be liable for such claims. A corresponding business liability insurance would pay for such claims.
In addition to these persons and damage to property, it will have to do funeral services but also with real financial losses. This would be the case, for example, in the following respects: loss of documents familiar to let lapse of refund claims confusion of documents confusion by transfers abroad grave confusion such claims are covered but usually does not have a business liability insurance for funeral services. In the claims departments of insurers often leads to problems with the customers, because in a business liability insurance generally also assets damage covered and is difficult to convey it to the customer that such damages are not covered. Usually only such damages were a result of personal injury or damage to property insured, would be. The listed claims are pure financial losses, which would be covered mostly in the framework of a special asset-liability insurance for funeral services. Without such a separate Treaty, sit the funeral therefore, despite business liability insurance on these costs. The comprehensive professional liability protection therefore consists of two components: A business liability insurance for the injury and damage, as well as a separate asset liability insurance.
The liability insurance examines the question of liability in the event of a claim and pay the due compensation to the extent of the agreed insurance sum. At the same time there is also a passive protection function: should the insurance company determine that did not fault the undertaker, the insurer would repel the baseless claims – if necessary in court. The resulting costs (such as process, Attorney, or expert costs) are also from the Insurance company taken over. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 funeral service.BASS-Makler.de contact for the press: Karsten Wallace image source: Kurhan – Fotolia.com the Wuppertal-based company Bergische Assekuranzmakler GmbH provides independent and impartial information about various insurance products. Our goal is that our customers receive the most powerful insurance products at affordable prices. We want that our customers in the event of damage are satisfied with their insurance company. You need powerful rates from reliable insurance companies. At the same time you should but do not pay more for this protection as necessary. BASS-Makler.de helps you to achieve the optimal price / performance ratio when your insurance products.