What type of insurance must funeral homes maintain in Ohio?

Funeral homes in Ohio are required to maintain liability insurance to protect themselves from potential claims that may arise due to their services. This type of insurance covers a variety of risks, including bodily injury, property damage, and other liabilities that could occur during the provision of funeral services. Liability insurance is essential for safeguarding both the business and its employees against lawsuits or claims from clients or third parties.

In contrast, health insurance is typically not a requirement for operating a funeral home, as it pertains more to employee benefits rather than business operations. Property insurance, while often advisable to protect physical assets, is not mandated specifically by law for funeral homes in Ohio. Workers' compensation insurance is also important in contexts involving employee protection and injury; however, it serves a different purpose than liability insurance and does not cover issues arising from the funeral services provided. Therefore, liability insurance is a critical component of the insurance requirements for funeral homes in Ohio, ensuring they are adequately protected from various legal issues.