Policies overview

VMIA provides insurance to more than 500 cemetery trusts, on behalf of the Victorian Government and the Department of Health and Human Services.

VMIA’s Cemetery Trusts Insurance Program provides a range of insurance products with coverage specific to the needs of cemetery trusts.

Who’s covered?

  • All Victorian public cemetery trusts.

What cover is provided?

Cemetery Trusts overview [PDF, 72KB]


Covers your Trust for physical loss or damage to property as a result of, for example, fire, explosion, vandalism, weather perils, earthquake, theft or accidental damage, and loss of revenue and additional costs of working as a consequence of such property damage.

Public and Products Liability

Covers your Trust for its legal liability from personal injury and/or property damage claims by third parties arising out the Trust's business activities.

Professional Indemnity

Provides cover for your Trust in respect to third party claims for financial loss arising from a breach of professional duty.

Directors and Officers Liability (including entity liability and employment practices violation)

Provides cover for civil or criminal claims made against your Trust's directors and officers, and includes employment-related matters.

Personal Accident

Covers volunteers for accidental-bodily personal injury whilst performing their duties, that results in loss of life, permanent or temporary disablement.

Optional covers

Optional insurance policies are available to Trusts on an "offer and acceptance" basis including:

  • construction risks (contract value over $500,000)
  • business travel
  • personal accident (journey).

Insurance Overview and Frequently Asked Questions        

More information

For more information about your insurance policies, email us at 

Page last updated: 14 May 2018