Personal Services & Property
Class Code 9620: Funeral Director & Drivers — Workers' Comp Insurance
Covers funeral homes and funeral directors, including staff who prepare and transport the deceased, arrange services, and drive funeral vehicles. It reflects the specific physical and driving demands of funeral home operations.
- Risk level:
- moderate
What code 9620 covers
Class 9620 applies to funeral homes, covering funeral directors, embalmers, and support staff who prepare remains, arrange and conduct services, and manage facility operations, along with drivers operating hearses, family cars, and other funeral vehicles. The work combines careful, detail-oriented preparation and service-arrangement duties with physical tasks such as moving and transferring remains, plus the driving involved in funeral processions and transport between facilities. Funeral homes that also operate an on-site crematory may need that specific operation reviewed separately given the different equipment involved. Cemetery and grounds-maintenance operations run by the same business are typically evaluated under a different classification than the funeral home itself.
Included operations
- Funeral arrangement and service coordination
- Preparation and transfer of remains
- Embalming and related preparation-room duties
- Driving hearses, family cars, and funeral vehicles
Assigned elsewhere
- Cemetery grounds maintenance and burial operations, evaluated under the applicable classification
- Crematory operations, evaluated separately given the specific equipment involved
- Flower shop or retail operations run as a separate business line, evaluated under the applicable retail classification
- Monument and headstone manufacturing, evaluated under the applicable manufacturing classification
Businesses that typically carry 9620
- Funeral homes
- Funeral service providers
- Mortuary and preparation service businesses
- Independently owned service businesses
- Franchise locations
- Multi-location service operators
Common misclassifications
Code 7380
Funeral home drivers are specific to this classification rather than a general commercial driver code, since the vehicles and driving context differ.
Code 8861
Funeral homes affiliated with a charitable memorial fund or community program can blend funeral service work with nonprofit administrative exposure if that scope isn't tracked separately.
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What drives the cost of code 9620
- Total annual payroll for employees assigned to this classification
- Experience modification factor based on claims history
- State-specific base rates and loss costs filed for this class code
- Claims frequency and severity trends for the business
- Safety programs, training, and workplace controls in place
- Payroll mix across multiple classifications at the same location
What underwriters look for
- Specific services offered and equipment used
- Whether work is performed at the business location, in clients' homes, or off-site
- Prior claims history and current experience modification factor
- Employee training and use of protective equipment
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 9620 fits
Quote class code 9620.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 9620 questions
Does this code cover our drivers?
Yes, staff who drive hearses, family cars, and other funeral vehicles are part of this classification.
What if we also operate a crematory on-site?
Crematory operations may need separate evaluation given the specific equipment involved.
Does this include embalming and preparation-room work?
Yes, embalming and preparation of remains are core duties covered by this classification.
Is cemetery maintenance included if we also manage a cemetery?
No, cemetery grounds maintenance is typically evaluated under a different classification than the funeral home itself.
Last reviewed · Reviewed by Provident Financial Group licensed agents