The franchise agreement already decided what you are buying.
We read the insurance schedule in your franchise agreement and meet it exactly, without buying the wrong thing or paying twice for what the brand program already includes.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What franchise businesses actually need.
The agreement’s required schedule
The limits, coverage types and endorsements your franchisor mandates.
Without it — Non-compliance is a breach of the agreement, not just an uninsured risk.
Franchisor as additional insured
Naming the franchisor, and usually its affiliates, on your liability policy.
Without it — Almost universally required, and a specific endorsement rather than a note.
Property, contents and build-out
Your fit-out, equipment and stock, often a large fixed investment.
Without it — A franchise build-out is specified by the brand and expensive to replace.
Business income
Income while closed, plus ongoing royalty obligations.
Without it — Royalties and rent frequently continue while the unit is shut.
Employment practices
Staff claims, which in franchising can also be aimed at the franchisor.
Without it — Joint-employer arguments pull the brand in, and the brand will look to you.
Find the page for what you actually are.
Every one of these is written for that specific operation — the coverages it needs, the questions underwriters ask it, and what it usually gets wrong.
- Pizza Shops & Delivery
A custom program for pizza shops and franchisees, including the hired and non-owned auto limits the major brands require, which most standard restaurant carriers will not write at all.
- Delivery Restaurants
The moment your staff deliver in their own cars, general liability stops carrying the auto exposure. We place restaurant delivery with the few markets that write it.
- Restaurant
A restaurant is priced on its kitchen, its drivers and what share of the register is alcohol, and we place the two policies that leaves exposed.
- Bar
A bar is priced on its closing hour, its door and what share of the register is alcohol, and we place the coverage general liability excludes.
- Juice & Smoothie Bars
We cover juice bars, smoothie shops and açaí bars, franchisees included, where raw unpasteurized product, high-speed equipment and a brand insurance schedule all meet in a small unit.
- Coffee Shops
We cover cafés and coffee shops for burn and slip claims, the espresso and refrigeration equipment, and a fit-out that usually sits in somebody else’s building.
- Bakeries
We cover bakeries and cake businesses: product liability with allergens at the center of it, the ovens and refrigeration, and the stock they hold.
- Gyms & Fitness Studios
Training people one to one creates an abuse and molestation exposure most gym policies handle badly. We cover that, participant injury, and professional liability for the programming.
- Spas & Med Spas
We cover day spas and medical spas: treatment injury, the abuse and molestation exposure of hands-on work, and the medical malpractice line that injectables and lasers cross.
- Daycare & Childcare
Abuse and molestation exposure decides whether a childcare business is insurable at all, ahead of licensing or transportation. We cover daycares, preschools and home childcare.
- Hotels, Motels & B&Bs
We cover hotels, motels and bed and breakfasts: guest injury, guest property, the assault and habitability claims that define hospitality, and the income lost when rooms cannot be sold.
- Car Washes
We cover car washes and detailers with garagekeepers for the vehicles you handle, plus the equipment that runs the tunnel and the water and slip exposures of the site.
- Auto Dealers
We cover franchise and independent dealers: garage liability, the inventory on open lot, customer vehicles in for service, and the finance-office exposure nobody quotes for.
- Janitorial & Cleaning
Commercial insurance for commercial cleaning, window washing, pressure washing and house cleaning. Including the bond clients ask for by name.
- Landscaping & Grounds Maintenance
Commercial insurance for landscaping, grounds maintenance and lawn care, written around the operations that push an account out of preferred appetite, not the ones that keep it there.
- Laundromats & Dry Cleaners
We cover laundromats and coin laundries: the water damage the machines cause, vandalism and injury in a room with no staff in it, and the underwriting questions that 24-hour opening brings.
- Retail
Commercial insurance for storefront retail, boutiques and tobacco and vape shops. Matched to what your lease and your suppliers require.
“Kevin and his team have taken excellent care of me, handling the insurance needs for my family and business for about 3 years now.”
What our franchise clients ask us.
Should I just use the franchisor’s recommended program?
Price it and compare rather than defaulting either way. A brand program is convenient, is guaranteed to satisfy the agreement, and is sometimes genuinely well priced through volume. It can also be more expensive than the open market, and it is written to the brand’s standard rather than to your particular unit — your location, your build-out cost, your loss history. Get both quoted against the same schedule; the comparison is straightforward once someone reads the agreement properly.
What exactly does the agreement require?
More than most franchisees realize, and it is worth extracting into a checklist. Typically: general liability at a stated per-occurrence and aggregate limit, property at replacement cost, business income including royalties, workers comp, commercial auto including hired and non-owned, employment practices, and often cyber and liquor where relevant. Then the mechanics — franchisor and affiliates as additional insureds, primary and non-contributory wording, waiver of subrogation, and notice of cancellation. Send us the agreement itself; the wording is what compliance is judged on.
What happens if I fall out of compliance?
It is a breach of the franchise agreement, which is a bigger problem than an insurance gap. Franchisors commonly reserve the right to force-place coverage at your cost, and persistent non-compliance can be a default event affecting renewal or transfer of the franchise. The usual cause is not refusal but drift — a policy renewed without the endorsements, or a certificate never re-sent. Diarise it with the franchisor’s compliance portal rather than waiting to be chased.
Am I liable for the brand’s problems, or it for mine?
Each of you will be named for the other’s, which is why the additional insured requirement runs one way and the indemnity usually runs the same way. A customer injured in your unit sues you and the franchisor; the franchisor’s coverage then looks to yours, because the agreement makes you responsible for what happens at your location. Carrying the required limits properly is what stops that becoming your personal problem.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.