{"id":30488,"date":"2025-06-26T13:04:00","date_gmt":"2025-06-26T18:04:00","guid":{"rendered":"https:\/\/b331314dev.wpenginepowered.com\/?page_id=30488"},"modified":"2025-06-30T17:45:55","modified_gmt":"2025-06-30T22:45:55","slug":"franchise-insurance-program","status":"publish","type":"page","link":"https:\/\/www.bbrown.com\/us\/franchise-insurance-program\/","title":{"rendered":"Franchise Insurance Program"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column]\n\t<div class=\"hero hero--wrap    \">\n\n\t\t<div class=\"hero--background-image bg-brand-dark-blue bg-overlay\">\n\t\t\t<div class=\"hero--overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"hero-background\" style=\"background: url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2025\/06\/verne-ho-0LAJfSNa-xQ-unsplash-scaled-1.jpg) center center no-repeat; background-size: cover;\"><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"hero--container\">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"hero--inner width-100\">\n\n\t\t\t\t\t\n  <div class='content-heading  100%  '>\n    <p class='text-white subheading'>FIND YOUR SOLUTION<\/p>\n    <h1 class='text-white    '>\n      Franchise Insurance Program\n    <\/h1>\n\t\n  <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221;][vc_row][vc_column]\n  <div class='content-heading  100% content-heading--ruled content-heading--ruled-brand-second-blue'>\n    \n    <h3 class='text-brand-blue    h2'>\n      You Have a Passion for Serving Your Customers and Community\n    <\/h3>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]<strong>We have a passion for helping to protect your investment by providing coverage options for the unexpected or catastrophic through our franchise program.<\/strong><\/p>\n<p class=\"ai-optimize-505\">As a franchisee, you want to feel confident that your insurance coverage will help protect what you\u2019ve worked hard to build. We&#8217;ve strategically designed a premier insurance solution specifically for your unique needs. We understand the risks associated with operating your franchise and offer a competitive insurance solution.[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1751036465474{background-color: #F1F4F9 !important;}&#8221;][vc_row][vc_column]\n  <div class='content-heading text-center 100%  content-heading--ruled-brand-second-blue'>\n    \n    <h3 class='text-brand-blue    h2'>\n      Insurance Questionnaire\n    <\/h3>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;mx-3&#8243;]<\/p>\n<p class=\"ai-optimize-19\" style=\"text-align: center;\">We&#8217;ve strategically designed a premier insurance solution specifically to help cover your unique needs.\u00a0Download and fill out the insurance questionnaire below to get a jump start on the coverage application process.<\/p>\n<p class=\"ai-optimize-20\">[\/vc_column_text]\t<div class='wpb_content_element text-center btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-green  '\n\t\t\t\thref='https:\/\/assets-usa.mkt.dynamics.com\/c848e0a4-b84d-4385-a787-14b0595f17a2\/digitalassets\/docs\/31084eac-d07c-ee11-8179-00224809caf9?ts=638348914220000000' target='_blank' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Download Form<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row][\/vc_section][vc_section][vc_row full_width=&#8221;stretch_row&#8221;][vc_column]\n  <div class='content-heading  100% content-heading--ruled '>\n    <p class='text-brand-blue subheading'>FRANCHISE PROGRAM<\/p>\n    <h4 class='text-brand-blue    h2'>\n      Coverage Highlights\n    <\/h4>\n\t\n  <\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<ul>\n<li class=\"ai-optimize-506\">Business personal property, including business income<\/li>\n<li class=\"ai-optimize-507\">Off-premises power failure<\/li>\n<li class=\"ai-optimize-508\">Computer equipment<\/li>\n<li class=\"ai-optimize-509\">Employee dishonesty<\/li>\n<li class=\"ai-optimize-510\">Employment practices liability insurance<\/li>\n<\/ul>\n<p class=\"ai-optimize-511\">[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<ul>\n<li class=\"ai-optimize-512\">Glass coverage<\/li>\n<li class=\"ai-optimize-513\">Identity recovery<\/li>\n<li class=\"ai-optimize-514\">Leased building property<\/li>\n<li class=\"ai-optimize-515\">Outdoor signs (attached and detached)<\/li>\n<li class=\"ai-optimize-516\">Hired and non-owned commercial auto<\/li>\n<li class=\"ai-optimize-517\">Spoilage<\/li>\n<\/ul>\n<p class=\"ai-optimize-518\">[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1751036511627{background-color: #F1F4F9 !important;}&#8221;][vc_row full_width=&#8221;stretch_row&#8221;][vc_column]\n  <div class='content-heading  100% content-heading--ruled '>\n    <p class='text-brand-blue subheading'>FRANCHISE PROGRAM<\/p>\n    <h4 class='text-brand-blue    h2'>\n      Available Coverages\n    <\/h4>\n\t\n  <\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"ai-optimize-57\"><strong>Umbrella Coverage\u00a0<\/strong><\/p>\n<p class=\"ai-optimize-519\">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 \u2014 your business.<\/p>\n<p class=\"ai-optimize-75\">[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"ai-optimize-65\"><strong>Employment Practices Liability (EPLI)\u00a0<\/strong><\/p>\n<p class=\"ai-optimize-520\">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 \u201cdeeper pocket\u201d franchisor. There is also an assumption franchise businesses will settle lawsuits at any cost to avoid bad publicity and protect their brand.<\/p>\n<p class=\"ai-optimize-521\">EPLI from Tokio Marine HCC \u2013 Cyber &amp; Professional Lines Group helps protect\u00a0employers 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\u2122, an HR management service designed to help you, the employers, navigate today\u2019s complex HR landscape. There is no additional cost to use this service.<\/p>\n<p class=\"ai-optimize-76\">[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"ai-optimize-50\"><strong>Workers&#8217; Compensation\u00a0<\/strong><\/p>\n<p class=\"ai-optimize-522\">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\u2019 compensation coverage helps to provide you and your employees with important protection. We have specialists and resources to help:<\/p>\n<ul>\n<li class=\"ai-optimize-523\">Deliver claims services with consistently superior outcomes<\/li>\n<li class=\"ai-optimize-524\">Provide quality, affordable treatment for injured workers from our network of local medical providers<\/li>\n<li class=\"ai-optimize-525\">Assist injured workers in obtaining necessary medications for work-related injuries without out-of-pocket expenses<\/li>\n<\/ul>\n<p class=\"ai-optimize-77\">[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"ai-optimize-22\"><strong>General Liability\u00a0<\/strong><\/p>\n<p class=\"ai-optimize-23\">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.<\/p>\n<p class=\"ai-optimize-78\">[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"ai-optimize-49\"><strong>Property Insurance\u00a0<\/strong><\/p>\n<p class=\"ai-optimize-528\">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\u2014open perils and named perils.<\/p>\n<p class=\"ai-optimize-79\">[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221;][vc_row][vc_column]\n  <div class='content-heading  100% content-heading--ruled content-heading--ruled-brand-second-blue'>\n    \n    <h3 class='text-brand-blue    h2'>\n      Contact a Professional Advisor\n    <\/h3>\n\t\n  <\/div>[vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"ai-optimize-251 ai-optimize-introduction\">We know that selecting a broker to help you manage your risk portfolio is a choice not to be taken lightly. That\u2019s why we offer complimentary coverage reviews to discuss your needs and business goals.<\/p>\n<p class=\"ai-optimize-529\">[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"ai-optimize-115 ai-optimize-introduction\" style=\"text-align: center;\"><strong>Dave Drumright<\/strong><br \/>\n<em>Business Production &amp; Program Lead<\/em><br \/>\nBrown &amp; Brown of Carpinteria, CA<br \/>\nCA License #0D04053<\/p>\n<p class=\"ai-optimize-80\">[\/vc_column_text]\t<div class='wpb_content_element text-center btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-green  '\n\t\t\t\thref='mailto:david.drumright@bbrown.com' target='' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Contact<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221;][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]We have a passion for helping to protect your investment by providing coverage options for the unexpected or catastrophic through our franchise program. As a franchisee, [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-landing.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-30488","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Franchise Insurance Program - Brown &amp; Brown<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Franchise Insurance Program\" \/>\n<meta property=\"og:description\" content=\"[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221;][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]We have a passion for helping to protect your investment by providing coverage options for the unexpected or catastrophic through our franchise program. As a franchisee, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bbrown.com\/us\/franchise-insurance-program\/\" \/>\n<meta property=\"og:site_name\" content=\"Brown &amp; Brown\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-30T22:45:55+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/franchise-insurance-program\\\/\",\"url\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/franchise-insurance-program\\\/\",\"name\":\"Franchise Insurance Program - Brown &amp; Brown\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/#website\"},\"datePublished\":\"2025-06-26T18:04:00+00:00\",\"dateModified\":\"2025-06-30T22:45:55+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/franchise-insurance-program\\\/#breadcrumb\"},\"inLanguage\":\"us\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.bbrown.com\\\/us\\\/franchise-insurance-program\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/franchise-insurance-program\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Franchise Insurance Program\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/#website\",\"url\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/\",\"name\":\"Brown &amp; Brown\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"us\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/#organization\",\"name\":\"Brown &amp; Brown\",\"url\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"us\",\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.bbrown.com\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/cropped-BBRetail002-RGBrevs.png\",\"contentUrl\":\"https:\\\/\\\/www.bbrown.com\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/cropped-BBRetail002-RGBrevs.png\",\"width\":1000,\"height\":136,\"caption\":\"Brown &amp; Brown\"},\"image\":{\"@id\":\"https:\\\/\\\/www.bbrown.com\\\/us\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Franchise Insurance Program - Brown &amp; Brown","robots":{"index":"noindex","follow":"follow"},"og_locale":"en_US","og_type":"article","og_title":"Franchise Insurance Program","og_description":"[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221;][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]We have a passion for helping to protect your investment by providing coverage options for the unexpected or catastrophic through our franchise program. As a franchisee, [&hellip;]","og_url":"https:\/\/www.bbrown.com\/us\/franchise-insurance-program\/","og_site_name":"Brown &amp; Brown","article_modified_time":"2025-06-30T22:45:55+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.bbrown.com\/us\/franchise-insurance-program\/","url":"https:\/\/www.bbrown.com\/us\/franchise-insurance-program\/","name":"Franchise Insurance Program - Brown &amp; Brown","isPartOf":{"@id":"https:\/\/www.bbrown.com\/us\/#website"},"datePublished":"2025-06-26T18:04:00+00:00","dateModified":"2025-06-30T22:45:55+00:00","breadcrumb":{"@id":"https:\/\/www.bbrown.com\/us\/franchise-insurance-program\/#breadcrumb"},"inLanguage":"us","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.bbrown.com\/us\/franchise-insurance-program\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.bbrown.com\/us\/franchise-insurance-program\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.bbrown.com\/us\/"},{"@type":"ListItem","position":2,"name":"Franchise Insurance Program"}]},{"@type":"WebSite","@id":"https:\/\/www.bbrown.com\/us\/#website","url":"https:\/\/www.bbrown.com\/us\/","name":"Brown &amp; Brown","description":"","publisher":{"@id":"https:\/\/www.bbrown.com\/us\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.bbrown.com\/us\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"us"},{"@type":"Organization","@id":"https:\/\/www.bbrown.com\/us\/#organization","name":"Brown &amp; Brown","url":"https:\/\/www.bbrown.com\/us\/","logo":{"@type":"ImageObject","inLanguage":"us","@id":"https:\/\/www.bbrown.com\/us\/#\/schema\/logo\/image\/","url":"https:\/\/www.bbrown.com\/wp-content\/uploads\/2021\/12\/cropped-BBRetail002-RGBrevs.png","contentUrl":"https:\/\/www.bbrown.com\/wp-content\/uploads\/2021\/12\/cropped-BBRetail002-RGBrevs.png","width":1000,"height":136,"caption":"Brown &amp; Brown"},"image":{"@id":"https:\/\/www.bbrown.com\/us\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/pages\/30488","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/comments?post=30488"}],"version-history":[{"count":0,"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/pages\/30488\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/media?parent=30488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}