INDUSTRIES · FRANCHISE GROUPS
Ten locations or fifty, one insurance program.
Multi-unit franchisees in fitness, childcare, home services, and quick service, with brand requirements to meet at every unit.
PHOTO PLACEHOLDERB+W, DUOTONE · FRANCHISE GROUPS
THE FRANCHISE GROUPS STACK
What companies like yours usually carry.
BOP / general liabilityLiability and property at every unit$1M / $2MREQUIREDWorkers' compHourly staff across all locationsStatutoryREQUIREDUmbrellaFranchisor-required limits$2M–$5MREQUIREDEmployment practicesHigh-turnover hourly workforce$1MRECOMMENDEDMedical, dental, visionOne benefits plan across entities—RECOMMENDEDCommercial autoService vehicles for home-services brands$1M CSLCONSIDER
- 01Franchisor complianceLimits and COIs matched to brand requirements.
- 02Multi-entity, one programEach LLC covered, billed together.
- 03Units added at payrollNew locations covered as soon as they hire.
TOP RISKS WE PLAN FOR
- 01Brand requirements. Franchisors set minimum limits and COI rules.
- 02Many small entities. Each LLC needs coverage and compliance.
- 03Hourly turnover. EPLI and ACA exposure rise with turnover.
FRANCHISE GROUPS QUESTIONS
- Can every unit be on one program?
- Yes. Each entity is covered and billed together.
- Do you match franchisor requirements?
- Yes. We review your franchise agreement and match limits and COIs.
YOUR PROGRAM AT A GLANCE
Every line a franchise groups company typically needs, on one application.
PROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyWORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liabilityWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriersPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and drivers
HOW IT WORKS FOR FRANCHISE GROUPS
- 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
- 02Market to carriers. We submit to carriers that actively write franchise groups risks.
- 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
- 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.
WHAT WE'LL NEED TO QUOTE YOU
APPLICATIONS
- ACORD 125
- ACORD 126
- ACORD 140
- ACORD 130
- ACORD 131
- Carrier supplement
- Employee census + group application
- ACORD 127
- ACORD 129
DOCUMENTS
- Revenue and operations description
- Statement of values by location
- Loss runs, 3–5 years
- Payroll by class code (from payroll)
- Current policy declarations
- Experience mod worksheet
- Underlying policy declarations
- Largest contract insurance requirements
AFTER YOU BUY
- Certificates on demandIssue COIs with additional insureds from your dashboard.
- Claims advocacyYour advisor works the claim with the carrier.
- Audits without surprisesPayroll-based premiums reconcile as you go.
- Renewal planningOptions on the table 60 days before renewal.
WORTH CONSIDERING
EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityFINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claimsFINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your servicesFINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liability
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
