Peace of mind for hardworking small business owners

Since 1938, Forge Insurance has specialized in providing commercial auto coverage.

Hearse Insurance

When you turn to Forge Insurance for your hearse insurance needs, you get the benefit of more than 80 years of experience in protecting public livery risks.

At Forge Insurance, we understand that providing a professional, respectful service to your funeral vehicle clients is the basis of your business. With over 80 years providing commercial transportation insurance, Forge offers a variety of products that fulfill your needs for hearse insurance, covering vehicles, drivers and cargo. With an efficient and professional staff, Forge Insurance is dedicated to keeping your hearse(s) on the road knowing that's what allows you to offer the best service to your clients.

Why Forge?

Forge's 80-plus years of experience has enabled us to keep pace – and stay ahead – of the changing commercial transportation industry. We offer coverage solutions that protect hearses, taxis, sedans & limousines, as well as courtesy shuttles, school shuttles, last-mile delivery and couriers. Because of this experience, we are able to serve emerging niches like ridesharing and last-mile delivery and food trucks as they have exploded onto the scene.

Commercial Auto insurance is what we do. Delivering on the promise to be there for you when needed is our mission. We specialize in knowing our customers' businesses and providing a high level of protection and service at an exceptional value. We match and customize the right insurance coverages to their risks and needs at competitive rates. We provide specialized underwriting and claims services to craft the best protection and to speed their recovery when faced with accidents or disasters.

Product benefits

With more than 80 years of transportation insurance, Forge understands the risks faced by transportation companies. We provide tailored coverages for a wide range of passenger vehicles, including owners and operators of hearses, taxis, luxury sedans and stretch limousines, along with SUVs, vans and work trucks. Our commercial auto insurance program includes the following critical coverages:

Bodily Injury Liability

If you're in an accident while driving your hearse, and there are third-party injuries for which you are found to be responsible, the policy will pay for the related expenses and bills, including medical care, hospital payments, and rehabilitation. It will also pay for defense costs and settlements or judgments that may result from a claim, up to the policy limits.

Property Damage Liability

If you're in an accident while driving and someone else's vehicle or property is damage, the policy will pay for repairs or replacement of the damaged vehicle or property.

Medical Payments

This coverage protects the driver and the passengers in your hearse. In the event that your vehicle is involved in an accident and the operator or the passengers get injured, the policy will pay for the medical expenses arising from the accident.


Offers protection for your hearse if it collides with another vehicle or a physical object, and pays for the costs of the limo repairs or replacement.


Protects your hearse from accidents other than a collision. In the event of theft, vandalism, fire, or hailstorm damages to your vehicle, the policy will pay for vehicle repairs or replacement.

Uninsured or Underinsured Motorists

Protects you against drivers of other vehicles who do not carry liability coverage or who do not have enough insurance to cover the full extent of the damage if they are responsible for the accident.

How much does hease insurance cost?

Commercial auto insurance premiums vary by industry segment and depend upon how your work vehicles are used. For example, the situation of a plumber or landscaper towing a trailer is vastly different than a professional services business that may use the company vehicle to run errands. That said, there are many factors that contribute to insurance permiums. They include:

Your Location

Your geography plays a role in how much insurance coverage costs. You may pay more in a larger city than in a smaller town.

Vehicle Types, Values and Sizes

As a rule of thumb, larger and more valuable vehicles have higher insurance premiums than smaller and less valuable vehicles.

Driving History

Your driving experience matters to insurance companies. You can expect insurers to collect motor vehicle reports for drivers on your policy for the last three years. The drivers on your policy with multiple accidents and violations will cause your premiums to increase.

Coverage Requirements

The coverage and limits you choose will have an impact on the overall premium. For example, higher liability limits or coverage equates to a higher premium as opposed to state minimum limits. Forge Insurance has a wide range of coverage options to help you tailor a commercial auto policy to fit your needs at an affordable price.

How do I get the cheapest hearse insurance?

If you are in search of the cheapest commercial auto insurance, there are ways to lower your premium. First, keep a clean driving record. Driving history is one of the largest impacts on premium. Second, change your coverage limits and deductibles. For example, you can decrease your combined single limit from $300,000 to $100,000 or increase your deductible to share more of the risk. However, you may pay more out-of-pocket in case of an accident. Finally, Forge Insurance offers both paid-in-full and commercial drivers license (CDL) discounts. These discounts will help you save money on commercial auto insurance. The best advice is to tailor a commercial auto policy that offers the best coverage at a price you can afford. Let Forge Insurance help you customize a policy that fits into your unique cost and value situation.

What are the hearse insurance requirements?

Insurance companies generally have a set of hearse insurance requirements and rating factors you'll need to consider. These might include:

  • Your service area. Service areas of over 300 miles are not acceptable
  • The vehicle's length – your insurance company may have guidelines for stretched vehicles
  • The age of the vehicle – older cars may not be acceptable
  • Minimum coverage limits and your deductibles – you may be required to carry higher limits than state minimum coverage

The state, or states, where you operate might have additional or different requirements. Be sure to check with your local DMV for exact requirements or restrictions.


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