Families trust you in advance. The bond protects what they prepay.
A licensing bond for funeral professionals
Many states require funeral directors, funeral establishments, or sellers of preneed funeral contracts to carry a bond. Where preneed arrangements are sold, the bond's central purpose is to protect the money families pay in advance. It guarantees you will handle preneed funds properly and comply with your state's funeral and preneed law.
What a funeral director bond guarantees
The bond protects the families you serve and the state — most importantly guaranteeing that preneed funds are held and used as required, along with compliance with funeral licensing law. It is a consumer-protection and compliance guarantee, not insurance for the funeral home, and you reimburse the surety for any valid claim.
How much a funeral director bond costs
The bond amount is set by the licensing authority. The premium you pay is a small percentage of that amount — typically around 1%–3% for applicants with reasonable credit, more for weaker credit — so a modest bond often costs a few hundred dollars a year. We market it to multiple surety companies to get you the best rate.
Requirements vary by state
Whether a bond is required, its amount, and whether it's tied to preneed sales all vary by state — and some states require trusting of preneed funds instead of or in addition to a bond. We confirm your exact requirement before quoting.
Funeral Director & Preneed Bond requirements by state
The required amount and authority differ by state — and sometimes by city or county. We are licensed in all 50 states; request a quote and we will confirm the exact requirement that applies to you.
Frequently Asked Questions
What does a funeral director bond cover?
It covers losses to families or the state from mishandling of preneed funds or violations of funeral law — for example, failing to deliver prepaid services or goods. You reimburse the surety for any claim paid.
Who needs a funeral director or preneed bond?
Funeral directors, funeral establishments, and preneed sellers in states that require bonding. The requirement often turns on whether you sell preneed contracts.
How much does a funeral director bond cost?
A premium equal to a small percentage of the required bond amount, based on your credit.
How do I get a funeral director & preneed bond through Cory Washington & Co.?
Request a quote or contact our team. We confirm your exact requirement, market your bond across multiple surety companies that compete for it, and handle the filing. Cory Washington & Co. LLC is licensed in all 50 states.
All surety bond descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or bonding advice. Surety bonds are not insurance. Bond requirements — including amounts, obligees, and bond forms — are set by government authorities and other obligees and change over time; the information presented is general in nature and does not guarantee the availability, terms, conditions, or amount of any bond. Actual bond terms are governed by the bond form issued by the surety and the requirements of the obligee, and any bond remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds a surety, or issues a bond. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please confirm current requirements with the relevant authority and consult directly with a licensed professional at Cory Washington & Co. LLC.