Coverage that keeps the franchisor off your back and the business on its feet.
Owning a franchise means running your own business inside someone else's rulebook. The franchise agreement tells you exactly what coverage to carry, at what limits, naming whom — and a certificate that misses the spec is a default notice waiting to happen. We build programs that clear the requirements and actually protect the operator.
What we cover
The agreement-compliant core
General liability, property, and business interruption placed to the franchisor's written requirements — the right limits, the right additional insureds, the right certificate language, renewed without a scramble.
Multi-unit programs
One program across locations instead of a drawer of mismatched policies — consistent coverage, one renewal cycle, and per-location limits that one bad unit cannot exhaust for the rest.
Workers' compensation and EPLI
High-turnover staffing is the franchise reality. Comp priced and classified correctly across units, and employment practices coverage for the claims that come with constant hiring.
The operational lines
Spoilage and equipment breakdown for food service, business auto and delivery exposure, and cyber for the POS and customer data the brand requires you to protect.
What goes wrong
The certificate that almost matched
The franchise agreement asked for specific limits and additional-insured wording. The certificate said something close. The franchisor's compliance system does not grade on effort — and the cure period is short.
One aggregate, four locations
A single shared aggregate limit looks efficient until one location has the bad year and the other three are left running bare.
The new unit that opened before anyone called the broker
Build-out done, doors open, revenue flowing — and the location was never scheduled. The gap is invisible until the first claim finds it.
Send us the franchise agreement
We read the insurance requirements first, then build the program — so compliance is the starting point, not the surprise.
Start the conversation