Funeral Home — LCA Field Module

Business / Building Profile

Insured / DBA / contact / role

Site address / website / phone

Survey date / inspector

Established / time at site

Office / viewing / after-hours operations

Stories / SF / construction / location

Roof age / improvements / condition

Underwriting Focus — Business / Building Profile

Document services and hours, including after-hours receiving and services by appointment.

Floor Plan / Public Areas

Offices / bathrooms / lobby

Chapel / seating capacity

Family / viewing / gathering rooms

Casket / merchandise selection area

Garage, receiving and storage bays

Other uses and rentable spaces

Accessible routes / slips / exits

Underwriting Focus — Floor Plan / Public Areas

Identify distinct public gathering and restricted preparation spaces.

Funeral Services / Transportation

Embalming/preparation room on premises?

Choose Yes, No or Unable to confirm

Cremation equipment operated on premises?

Choose Yes, No or Unable to confirm

Receiving / refrigerated storage

Hearses / passenger / transfer vehicles

Transport territory / auto carrier

Outside removal / transport / crematory

Underwriting Focus — Funeral Services / Transportation

Separate services performed by employees from contracted vendors.

Preparation / Chemical Controls

Formaldehyde / embalming chemical storage

Preparation room ventilation

PPE / eyewash / spill or sharps controls

Medical or hazardous waste handling

Preparation room access restriction

Other flammables / heat or chemical hazards

Underwriting Focus — Preparation / Chemical Controls

Preparation areas may involve formaldehyde, other chemicals and sharps; report visible controls, not assumed compliance.

Crematory / Service & Oversight

Number/type of crematory units

Exhaust / flue / adjacent exposure

Operating temperature / usage records

Installation / maintenance / cleaning dates

Permit / fire / environmental review reported

Underwriting Focus — Crematory / Service & Oversight

Record equipment, exhaust and service dates without inferring EPA or local permitting requirements.

Security / Fire / Financial

Guard service / armed / COI

Fire alarm / sprinklers / extinguishers

Emergency lights / exit signs / routes

Building / contents estimates

Projected annual sales / source

Losses past 3 years

Areas / documents not verified

Underwriting Focus — Security / Fire / Financial

Maintain a clear distinction between verified tags and reported protections.

Photographs to Obtain

Check when obtained. Priority photographs are bold; required only where applicable, safe and permitted. Record restricted access or missing documentation.

Editable Narrative Insert

Replace bracketed cues with reported or verified facts; delete claims that do not apply. Save your draft and copy the finished narrative into the report.

The risk, [business/DBA], operates a funeral home at [address] in a [stories/construction/SF] building. The business has operated [years] and maintains [hours/appointment operations]. Public areas consist of [lobby, chapel seating, family rooms, casket selection and offices]; the property also includes [garage, other areas]. Recent building improvements reported include [details].

Services provided on site include [viewings/embalming/cremation/transportation as applicable]. Preparation and chemical storage controls were [observations], including [formaldehyde security, ventilation, waste controls]. The crematory, if present, consists of [equipment, exhaust and service/permit documentation actually obtained]. Transport vehicles and outside contractors consist of [types, quantities, arrangements].

Security and fire protection include [details]. Building and contents estimates are [amounts/source], with annual receipts of [amount/source]. Losses over the last three years were [details]. The following areas/records could not be verified: [limitations].

The risk, [business/DBA], operates a funeral home at [address] in a [stories/construction/SF] building. The business has operated [years] and maintains [hours/appointment operations]. Public areas consist of [lobby, chapel seating, family rooms, casket selection and offices]; the property also includes [garage, other areas]. Recent building improvements reported include [details]. Services provided on site include [viewings/embalming/cremation/transportation as applicable]. Preparation and chemical storage controls were [observations], including [formaldehyde security, ventilation, waste controls]. The crematory, if present, consists of [equipment, exhaust and service/permit documentation actually obtained]. Transport vehicles and outside contractors consist of [types, quantities, arrangements]. Security and fire protection include [details]. Building and contents estimates are [amounts/source], with annual receipts of [amount/source]. Losses over the last three years were [details]. The following areas/records could not be verified: [limitations].

Recommendations / Follow-Up

Document only visible or otherwise supported concerns. Cite the condition, location and action needed. Use “unable to confirm” where appropriate.