Insurance Coverage Q&A: When the Tombstone Shows the Wrong Dates

​Our insured sells grave markers/monuments. The insured sold grave markers to two separate families several years ago when the first spouse of each family passed away. The grave markers were placed in each family’s cemetery plot. The grave markers are designed so that when the second spouse dies, their name and date of death are added to the grave markers. Both surviving spouses recently died and the insured was contacted to have their names added to the grave markers. The insured hired an independent engraver (sub-contractor) to engrave the names and dates on both stones. When the subcontractor completed the engravings, she sent photos to the insured. The insured realized that the subcontractor had engraved the wrong date of death on each grave marker. The subcontractor had erroneously switched the dates of death between the two grave markers. The insured has indicated that he cannot repair the grave markers with the correct date of death and is making a claim to replace each grave marker. Note that no one from either family has contacted the insured to make a claim.