Insurance for franchise restaurants.
Franchise restaurants operate under a brand that dictates much of the insurance: required limits, additional insured wording, specific coverages, and certificates. Getting your program to match the agreement is the whole game.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
The agreement sets the requirements
A franchise agreement usually specifies minimum limits, names the franchisor as additional insured, and may require waivers, umbrella limits, and specific coverages. A mismatch can put you in default, so comparing your program to the agreement is the first step.
The underlying restaurant risk still applies
Brand requirements sit on top of the same premises, kitchen, staff, and, sometimes, alcohol and delivery exposure as any restaurant. The program has to satisfy the franchisor and actually protect the operation.
Certificates and renewals
Franchisors request certificates and proof of coverage, often at renewal or when terms change. Coverage that produces accurate documents on time keeps you compliant with the brand.
Common questions.
What insurance does a franchise restaurant need?
Why does my franchisor ask for a certificate?
What happens if my coverage does not meet the agreement?
Does your coverage match how you operate?
Tell us how your restaurant runs and we will check your limits, endorsements, and exclusions against the way you actually operate. Educational, no obligation.
Coverage that matches your franchise agreement.
Send us your franchise insurance requirements and we will line your program up with them.