USIHospitality Practice
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Industries · Franchise operators

Insurance for franchise operators

Multi-unit operators of national brands: quick service, pizza, chicken, coffee and sandwiches. Built to your franchise agreement, priced for your store count, and ready for the next opening.

Book a callFind out what your program is missing
What's different

Your franchisor sets the floor

The agreement comes first

Your franchise agreement sets minimum limits, names the franchisor as an Additional insured and puts certificate deadlines on the calendar. We read it before we read your policies.

Payroll is the big number

Hundreds of hourly employees make workers' comp and employment practices the lines that drive your premium. Your Experience mod and your wage and hour exposure matter more than anything else.

Drive-thru, delivery and new stores

Delivery drivers in their own cars, openings mid-term, and build-outs that need coverage before the ribbon is cut.

Brand programs

Where your brand's insurance program fits

Some franchisors offer a preferred program, and a few require one for certain lines. We read your agreement and tell you plainly which lines you can place where, and where USI fits.

Workers' compensationPriced by payroll and class code, with the Experience mod checked.
Employment practicesWage and hour claims, the number one suit against quick-service operators.
General liabilitySet to your franchise requirements, with the franchisor added.
Property and business incomePer store, so one closed location doesn't drain the group.
Hired and non-owned autoFor delivery drivers and store runs in employees' own cars.
Umbrella and excessThe limit your agreement and landlords require, over every store.
Cyber liabilityCard data from every point of sale in the group.
Crime and employee dishonestyCash handling across many registers and many hands.
The review

What we check in a franchise operator's program

  • Limits, additional insureds and waivers against the franchise agreement, word for word
  • Certificate deadlines for the franchisor and every landlord
  • The Experience mod worksheet and whether stores are classed correctly
  • Wage and hour sublimits on the EPLI form
  • Delivery driver coverage, in company and personal vehicles
  • Business income per store, not one blanket number
  • How new stores are added mid-term, and what they cost
  • Equipment breakdown on fryers, ovens and refrigeration
The USI ONE Advantage®

How a program review works

1

Analyze

A 20-minute call about how your business runs, then your policies and loss runs. We read every form and exclusion across your locations and benchmark what you pay.

2

Plan

A plain-English summary of what's covered, what isn't, and what we'd change, with a renewal plan that starts 120 days before your dates.

3

Deliver

We take your program to carriers that want hospitality business, line up your policy dates, and stay with you through claims and the next renewal.

Find out what your current program is missing

A full review of your current insurance program, benchmarked against similar Florida hospitality groups. No cost and no obligation.

Joey Anderton, Hospitality Insurance Advisor · 305-518-1208 · joey.anderton@usihp.com

Book a callHow a review works
Have questions?

Franchise operators ask us

Our franchisor has a preferred program. Can we still work with you?

Often, yes. Some brands require their program for certain lines and leave the rest open; others only recommend one. We read your agreement and tell you which lines you can place where.

We open two or three stores a year. How does that work?

Your program is built to add a location with one call: the address, the opening date and the build-out value. Nothing restarts, and the premium is pro-rated.

Can you handle certificates for the franchisor and the landlords?

Yes. Certificates go out the same day in most cases, and we track the renewal dates your agreements require.