Franchise Insurance Program

Umbrella Coverage 

Even with comprehensive planning, the unexpected can happen. A sizable judgment against your business can damage your reputation, market share and bottom line. Our umbrella policy provides coverage that follows your primary policy in key areas to help protect you from the unexpected so you can focus on what really matters — your business.

Employment Practices Liability (EPLI) 

The association to a well-known franchise name is a magnet for litigation, because of the perception that aggrieved employees and their lawyers can sue and recover from the “deeper pocket” franchisor. There is also an assumption franchise businesses will settle lawsuits at any cost to avoid bad publicity and protect their brand.

EPLI from Tokio Marine HCC – Cyber & Professional Lines Group helps protect employers against claims from current and former employees as well as applicants. It can also protect against claims for discrimination and harassment by third-parties, i.e. customers and vendors. As a benefit of this important coverage, franchisees get access to HR Pilot™, an HR management service designed to help you, the employers, navigate today’s complex HR landscape. There is no additional cost to use this service.

Workers’ Compensation 

A key part of running your business is helping to keep employees safe at work. However, if a worker does suffer an injury, our workers’ compensation coverage helps to provide you and your employees with important protection. We have specialists and resources to help:

• Deliver claims services with consistently superior outcomes
• Provide quality, affordable treatment for injured workers from our network of local medical providers
• Assist injured workers in obtaining necessary medications for work-related injuries without out-of-pocket expenses

General Liability 

A form of insurance bought by businesses to indemnify the business for third-party liability claims. Coverage can include premises and operations liability for on-site and job-site accidents and product liability claims for products that cause a loss to a third party.

Property Insurance 

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire, flood, earthquake, home or boiler. Property is insured in two main ways—open perils and named perils.