Franchises
Franchise agreements come with specific insurance requirements. We build programs that satisfy your franchisor, scale across locations and protect your investment.
Most franchisors require minimum limits, additional insured status and specific coverages before you open. We review your franchise agreement and match the program to it, so compliance is never a question.
As you add locations, we keep coverage organized under one program with consistent limits and renewal dates.
What's covered
Business owner's policy
Bundles property and general liability into one efficient policy for many franchise types.
General liability
Covers customer injuries and property damage, with your franchisor named as additional insured.
Property
Protects your build-out, equipment, signage and inventory.
Workers' compensation
Required for most employers and often specified in franchise agreements.
Employment practices
Defends against claims of wrongful termination, discrimination and harassment.
Cyber liability
Covers data breaches involving customer payment and personal information.
Who it's for
- Restaurants & QSR
- Fitness studios
- Retail franchises
- Home services
- Personal care
- Education & tutoring
Common questions
Can you meet my franchisor's insurance requirements?
Yes. Send us your franchise agreement or insurance requirements and we'll build a program that matches them line by line.
I'm opening a second location. Do I need a new policy?
Usually not. We can add locations to your existing program so limits, carriers and renewal dates stay consistent.
Does my franchisor's insurance cover me?
Generally no. Franchisors insure their own operations. As the owner, you need your own coverage for your locations.
Have questions about your policy?
Talk to a licensed agent who knows your file. We'll review your coverage, answer questions and find savings where we can.