As a result of the loss or embezzlement of preneed funeral service fees paid to funeral homes that either failed in business or mishandled trust monies deposited for future funeral needs, you will need to provide a North Carolina preneed funeral services bond if you operate in North Carolina.  Many states have established a specific surety bond requirement to protect prepaid funeral deposits.  The North Carolina preneed funeral bond is a license bond however it contains very particular financial guarantees related to preneed funeral service contracts.  The bond must be written in the amount of $50,000, be written in favor of the North Carolina Board of Funeral Service, and must guarantee all insurance premiums paid under a preneed insurance policy and all trust payments under a preneed funeral trust (21 NCAC 34D .0203).  The North Carolina preeneed funeral services surety bond has a seven year claim period.  Because of the obvious “long tail” of this type of obligation, there are very few surety companies that have an appetite for this bond.  North Carolina surety leader,  Surety One, Inc., offers preneed funeral services bonds in all states where they are required by law.  Our special program provides access to these bonds regardless of credit for all established funeral home operators. For more information visit us at, call (787) 333-0222 or (800) 373-2804, or email us at for a North Carolina preneed funeral services bond application or information about any bond need.