Workers' Comp for Funeral Home Workers

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Why do funeral homes need workers' comp insurance?

Funeral home professionals may be easily injured in their workplaces and should carry appropriate insurance coverage in case of accidents. Workers’ compensation, sometimes called workers’ comp or workman’s comp, can help cover medical fees and lost wages for funeral home work-related injuries.

Not only is workers’ comp coverage legally required for almost all funeral home businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk.

The most common injuries experienced by funeral home employees are:

– Slips, trips, and falls

– Overexertion

– Repetitive motion injuries

Learn more about how workers’ compensation insurance can help protect funeral home employees.


More than three-quarters of small businesses overpay for workers' comp coverage.

What does workers' compensation insurance cover?

Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for funeral home workers who become injured as a direct result of their job. Workers’ comp may also pay death benefits to a funeral home employee’s dependents if the employee is killed in a work-related incident.

In addition to helping funeral home employees and their families, workers’ compensation insurance can also help protect business owners. Workers’ compensation helps protect funeral homes from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if a funeral home worker is harmed while performing work duties.

Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation,  funeral home injuries must:

  • have happened to a funeral home employee (not a vendor or independent contractor),

  • be the result of a funeral home workplace injury or illness during employment, and

  • cause impairment and/or lost wages.

What are relevant types of class codes?

When you’re ready to start your 3-minute quote, you’ll need to know your funeral home business’s class code.


A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.


There are many different workers’ comp class codes within the funeral home industry. Below is one of the most common class codes in the industry.


8869 – Funeral directors and drivers

Curious about workers' comp insurance? Learn more.