Sonic Drive-In (Inspire Brands) has ~3,500 US locations, with particularly strong in Texas and Arkansas — two of our core licensed states. As a Sonic Drive-In franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your Sonic Drive-In location.

Operations & Exposures

Sonic Drive-In franchise operations involve classic American drive-in format with carhop service, drive-through, and patio dining — operating from early morning through late night, often 24 hours. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Carhop slip-and-fall on parking lot and drive-in stalls — unique to the drive-in format
• Customer vehicle damage in drive-in stalls from carhop operations
• Late-night and 24-hour operations increase robbery and security exposure
• Kitchen fire from fryers and grill operations
• Employee injury navigating parking lot and carrying trays
• Drive-through vehicle incidents
• Food-borne illness from fresh ingredient handling

Typical Sonic Drive-In Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• General Liability per Inspire Brands / Sonic requirements (typically $2M per occurrence)
• Commercial Property including drive-in canopy and speaker systems
• Workers Compensation per state (TX non-mandatory — we advise on this)
• Commercial Auto if any company vehicles used
• Umbrella / Excess Liability
• Inspire Brands and Sonic Drive-In Inc. as Additional Insureds

Broker Note

Coverage Summary

The Independent Broker Advantage for Sonic Drive-In Owners

A captive agent can only offer one carrier's program. If your Sonic Drive-In location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming Inspire Brands as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help Sonic Drive-In Franchisees With

• Certificate of Insurance with franchisor (Inspire Brands) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one Sonic Drive-In location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

KFC (Yum! Brands) has ~4,000 US locations, with strong nationwide presence with significant footprints in all ten states we serve. As a KFC franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your KFC location.

Operations & Exposures

KFC franchise operations involve quick service fried chicken restaurant with pressure fryers, drive-through, delivery, and catering — often co-branded with Taco Bell or Pizza Hut at the same location. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Pressure fryer burns — a significant injury exposure unique to KFC operations
• Kitchen fire from high-volume frying operations
• Customer slip and fall in dining room and drive-through
• Food-borne illness from poultry handling and cooking
• Co-brand liability if operating a KFC/Taco Bell or KFC/Pizza Hut combo
• Drive-through vehicle incidents
• Employee injury in high-temperature kitchen environment

Typical KFC Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• General Liability per Yum! Brands / KFC requirements
• Commercial Property including pressure fryer equipment
• Workers Compensation per state
• Commercial Auto if delivery vehicles used
• Umbrella / Excess Liability
• KFC Corporation and Yum! Brands as Additional Insureds

Broker Note

Coverage Summary

The Independent Broker Advantage for KFC Owners

A captive agent can only offer one carrier's program. If your KFC location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming Yum! Brands as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help KFC Franchisees With

• Certificate of Insurance with franchisor (Yum! Brands) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one KFC location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

Little Caesars (Little Caesar Enterprises) has ~4,000 US locations, with strong Midwest presence including Indiana and South Dakota, with growing footprint in all our licensed states. As a Little Caesars franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your Little Caesars location.

Operations & Exposures

Little Caesars franchise operations involve carry-out focused pizza operation with hot-and-ready model, pizza ovens, and limited dine-in — many locations inside larger retail centers or strip malls. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Kitchen fire from commercial pizza ovens in high-volume baking operations
• Employee injury from commercial ovens and cutting equipment
• Slip and fall at carry-out counter areas
• Food-borne illness liability
• Shared-space liability for locations inside retail centers
• Pizza delivery liability if offering delivery (non-owned auto)
• Business interruption — hot-and-ready model means even brief closures impact revenue significantly

Typical Little Caesars Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• General Liability per Little Caesar Enterprises requirements
• Commercial Property (oven-heavy operations require proper equipment valuation)
• Workers Compensation per state
• Non-Owned Auto if any delivery offered
• Business Interruption Coverage
• Little Caesar Enterprises as Additional Insured

Broker Note

Coverage Summary

The Independent Broker Advantage for Little Caesars Owners

A captive agent can only offer one carrier's program. If your Little Caesars location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming Little Caesar Enterprises as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help Little Caesars Franchisees With

• Certificate of Insurance with franchisor (Little Caesar Enterprises) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one Little Caesars location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

Hampton Inn / Hilton (Hilton Worldwide) has 6,000+ Hampton Inn locations worldwide — one of the largest hotel franchise systems, with significant hotel presence in all ten states we serve, especially in major metro areas and highway corridors. As a Hampton Inn / Hilton franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your Hampton Inn / Hilton location.

Operations & Exposures

Hampton Inn / Hilton franchise operations involve select-service hotel operations with complimentary breakfast, indoor pool, fitness center, and business meeting rooms — typically 80–150 rooms, business and leisure travel mix. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Pool and fitness center liability — Hampton Inn properties frequently feature both
• Complimentary breakfast food liability and food-borne illness
• Guest slip and fall in common areas, hallways, and parking lots
• Cyber breach of guest personal and payment data
• Conference room and event liability
• Liquor liability if bar service offered
• Franchise brand standards requirements — Hilton audits properties regularly

Typical Hampton Inn / Hilton Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• Commercial General Liability per Hilton Worldwide / Hampton Inn standards
• Commercial Property (building and contents — Hilton specifies replacement cost)
• Workers Compensation per state
• Liquor Liability (if applicable)
• Cyber Liability covering guest data
• Umbrella / Excess Liability ($5M+ common for hotel properties)
• Hilton Worldwide Holdings as Additional Insured

Broker Note

Coverage Summary

The Independent Broker Advantage for Hampton Inn / Hilton Owners

A captive agent can only offer one carrier's program. If your Hampton Inn / Hilton location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming Hilton Worldwide as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help Hampton Inn / Hilton Franchisees With

• Certificate of Insurance with franchisor (Hilton Worldwide) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one Hampton Inn / Hilton location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

Jiffy Lube / Valvoline Instant Oil Change (Shell (Jiffy Lube) / Aramco (Valvoline)) has 2,000+ Jiffy Lube locations, 1,800+ Valvoline VIOC locations across the US, with quick lube operations are present in all ten states we serve with strong density in TX, WA, OR, and IN. As a Jiffy Lube / Valvoline Instant Oil Change franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your Jiffy Lube / Valvoline Instant Oil Change location.

Operations & Exposures

Jiffy Lube / Valvoline Instant Oil Change franchise operations involve drive-through oil change and preventive maintenance services — customers remain in vehicles during service, operations involve used oil handling, chemical storage, and pit or lift operations. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Garage liability for vehicle damage during service (oil cap left off, wrong oil type)
• Garage keepers legal liability for customer vehicles in care, custody, and control
• Used oil and chemical spill environmental liability
• Employee injury in pit or under-car operations
• Slip and fall in service bays and customer waiting areas
• Fire from flammable lubricants and chemicals on site
• Underground storage tank (UST) pollution if bulk oil storage present

Typical Jiffy Lube / Valvoline Instant Oil Change Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• Garage Liability (NOT standard GL — garage form required for auto service)
• Garage Keepers Legal Liability for customer vehicles
• Commercial Property including service bay equipment
• Workers Compensation
• Environmental / Pollution Liability for used oil and chemical handling
• Franchisor (Shell / Aramco) as Additional Insured

Broker Note

Coverage Summary

The Independent Broker Advantage for Jiffy Lube / Valvoline Instant Oil Change Owners

A captive agent can only offer one carrier's program. If your Jiffy Lube / Valvoline Instant Oil Change location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming Shell (Jiffy Lube) / Aramco (Valvoline) as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help Jiffy Lube / Valvoline Instant Oil Change Franchisees With

• Certificate of Insurance with franchisor (Shell (Jiffy Lube) / Aramco (Valvoline)) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one Jiffy Lube / Valvoline Instant Oil Change location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

Great Clips (Great Clips Inc.) has 4,500+ US and Canadian locations — one of the largest salon franchises in the world, with Great Clips has a strong presence in suburban and strip mall locations across all ten states we serve. As a Great Clips franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your Great Clips location.

Operations & Exposures

Great Clips franchise operations involve no-appointment hair cutting salon with walk-in model, online check-in, and standardized services — typically 6–12 stylists per location operating in strip mall or standalone locations. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Professional liability for haircut and chemical service errors (cuts, burns, allergic reactions)
• Slip and fall on wet salon floors
• Chemical burn from color or relaxer treatments
• Product liability for retail hair products sold
• Employment practices liability — high stylist turnover creates EPLI exposure
• Theft of stylist tips and cash
• Workers compensation for stylists who stand all day and use repetitive motion

Typical Great Clips Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• Business Owner's Policy (BOP) with Professional Liability endorsement
• Professional Liability / Beautician's Liability
• Workers Compensation per state
• Commercial Property (equipment and leasehold improvements)
• Employment Practices Liability (EPLI)
• Great Clips Inc. as Additional Insured

Broker Note

Coverage Summary

The Independent Broker Advantage for Great Clips Owners

A captive agent can only offer one carrier's program. If your Great Clips location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming Great Clips Inc. as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help Great Clips Franchisees With

• Certificate of Insurance with franchisor (Great Clips Inc.) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one Great Clips location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

Panera Bread (Panera Brands / JAB Holding) has 2,000+ US locations, with strong urban and suburban presence in PA, IN, TX, and WA — well aligned with our licensed states. As a Panera Bread franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your Panera Bread location.

Operations & Exposures

Panera Bread franchise operations involve fast casual bakery-café with fresh-baked goods, made-to-order sandwiches and soups, catering operations, and Rapid Pick-Up / drive-through at newer locations — known for fresh ingredients and clean menu. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Catering operations extend liability beyond the four walls — off-premises food liability
• Food-borne illness from fresh perishable ingredients (meats, dairy, produce)
• Slip and fall in high-traffic café environment
• Employee injury from commercial bakery ovens and slicer equipment
• Drive-through vehicle incidents at newer Panera locations
• Food allergen liability — Panera's clean-label commitment creates consumer expectations
• Business interruption from supply chain disruptions affecting fresh ingredients

Typical Panera Bread Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• Commercial General Liability per Panera Brands / JAB requirements
• Commercial Property with bakery equipment and food inventory
• Workers Compensation per state
• Catering / Off-Premises Food Liability
• Commercial Auto if delivery offered
• Umbrella / Excess Liability
• Panera Brands as Additional Insured

Broker Note

Coverage Summary

The Independent Broker Advantage for Panera Bread Owners

A captive agent can only offer one carrier's program. If your Panera Bread location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming Panera Brands / JAB Holding as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help Panera Bread Franchisees With

• Certificate of Insurance with franchisor (Panera Brands / JAB Holding) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one Panera Bread location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

Popeyes Louisiana Kitchen (Restaurant Brands International (RBI)) has 3,700+ US locations with rapid recent growth, with strong presence in Arkansas, Texas, and Indiana — three of our core licensed states. As a Popeyes Louisiana Kitchen franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your Popeyes Louisiana Kitchen location.

Operations & Exposures

Popeyes Louisiana Kitchen franchise operations involve quick service Louisiana-style fried chicken restaurant with pressure fryer operations, drive-through, and delivery through third-party apps. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Pressure fryer burns — same critical exposure as KFC
• Kitchen fire from high-volume frying operations with marinated chicken
• Drive-through congestion and vehicle incidents — Popeyes drive-throughs are among the busiest in QSR
• Food-borne illness from poultry and seafood handling
• Employee injury in high-temperature kitchen during peak demand
• Third-party delivery liability through DoorDash, Uber Eats, etc.
• Slip and fall during high-traffic periods

Typical Popeyes Louisiana Kitchen Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• General Liability per RBI / Popeyes requirements
• Commercial Property including pressure fryer equipment
• Workers Compensation per state
• Commercial Auto / Non-Owned Auto for delivery
• Umbrella / Excess Liability
• Restaurant Brands International and Popeyes Louisiana Kitchen as Additional Insureds

Broker Note

Coverage Summary

The Independent Broker Advantage for Popeyes Louisiana Kitchen Owners

A captive agent can only offer one carrier's program. If your Popeyes Louisiana Kitchen location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming Restaurant Brands International (RBI) as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help Popeyes Louisiana Kitchen Franchisees With

• Certificate of Insurance with franchisor (Restaurant Brands International (RBI)) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one Popeyes Louisiana Kitchen location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

The UPS Store (United Parcel Service (UPS)) has 5,000+ US locations — one of the largest retail franchise systems, with The UPS Store has locations in every major market across all ten states we serve. As a The UPS Store franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your The UPS Store location.

Operations & Exposures

The UPS Store franchise operations involve shipping, packaging, printing, mailbox rental, notary, shredding, and small business services — typically in strip mall or retail center locations with high daily customer traffic. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Bailee liability for customer packages and contents in your care, custody, and control
• Professional liability for packing errors that result in damaged shipments
• Notary errors and omissions if notary services offered
• Printing errors and professional services liability
• Slip and fall at busy retail counter
• Employee dishonesty for mail and package handling
• Cyber liability from customer personal data and payment processing

Typical The UPS Store Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• Business Owner's Policy (BOP) per UPS / United Parcel Service requirements
• Bailee Coverage for customer property in your care
• Professional Liability / E&O for packing and shipping services
• Workers Compensation per state
• Cyber Liability
• United Parcel Service and The UPS Store Inc. as Additional Insureds

Broker Note

Coverage Summary

The Independent Broker Advantage for The UPS Store Owners

A captive agent can only offer one carrier's program. If your The UPS Store location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming United Parcel Service (UPS) as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help The UPS Store Franchisees With

• Certificate of Insurance with franchisor (United Parcel Service (UPS)) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one The UPS Store location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

Sport Clips (Sport Clips Inc.) has 1,900+ US locations, with strong presence in Texas and growing rapidly across the South and Midwest in our licensed states. As a Sport Clips franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your Sport Clips location.

Operations & Exposures

Sport Clips franchise operations involve men's sports-themed hair cutting salon with walk-in model, TV sports atmosphere, and MVP haircut experience — similar operations to Great Clips but focused on the male demographic. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Professional liability for haircut and treatment errors
• Slip and fall on wet salon floors
• Chemical service liability for scalp treatments
• Employment practices liability for predominantly part-time stylist workforce
• Product liability for retail products sold
• Workers compensation for standing and repetitive motion work

Typical Sport Clips Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• Business Owner's Policy (BOP) with Professional Liability
• Salon / Beautician's Professional Liability
• Workers Compensation per state
• Employment Practices Liability (EPLI)
• Sport Clips Inc. as Additional Insured

Broker Note

Coverage Summary

The Independent Broker Advantage for Sport Clips Owners

A captive agent can only offer one carrier's program. If your Sport Clips location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming Sport Clips Inc. as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help Sport Clips Franchisees With

• Certificate of Insurance with franchisor (Sport Clips Inc.) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one Sport Clips location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

Midas / Meineke (TBC Corporation (Midas) / Driven Brands (Meineke)) has 1,200+ Midas locations, 900+ Meineke locations across the US, with auto repair franchise locations across all ten states we serve. As a Midas / Meineke franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your Midas / Meineke location.

Operations & Exposures

Midas / Meineke franchise operations involve full-service auto repair including exhaust, brakes, suspension, oil changes, tires, and general mechanical repair — full vehicle in shop on lifts, more extensive work than quick lube. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Garage liability for vehicle damage during repair — engine, transmission, and brake work creates significant exposure
• Garage keepers legal liability for multiple customer vehicles in the shop simultaneously
• Lift failure and employee injury
• Brake and safety system repair liability — faulty brake repair has serious injury potential
• Environmental liability from used oil, refrigerants, and brake fluid disposal
• Test drive accidents
• Theft of customer vehicles from overnight storage

Typical Midas / Meineke Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• Garage Liability (garage policy form required — not standard GL or BOP)
• Garage Keepers Legal Liability (full coverage for all vehicles on premises)
• Commercial Property including lifts and diagnostic equipment
• Workers Compensation
• Environmental / Pollution Liability
• TBC Corporation / Driven Brands as Additional Insured

Broker Note

Coverage Summary

The Independent Broker Advantage for Midas / Meineke Owners

A captive agent can only offer one carrier's program. If your Midas / Meineke location isn't the right fit for their program, you have no alternatives. As an independent broker, we shop your account across multiple admitted carriers, find the program that meets your franchise agreement requirements, and handle your certificate of insurance naming TBC Corporation (Midas) / Driven Brands (Meineke) as Additional Insured.

we work to find competitive options as your needs evolve.

We Also Help Midas / Meineke Franchisees With

• Certificate of Insurance with franchisor (TBC Corporation (Midas) / Driven Brands (Meineke)) as Additional Insured
• Verifying FDD minimum limit compliance before your franchise opens
• Multi-unit programs if you own more than one Midas / Meineke location
• Workers compensation in all 10 states we're licensed in
• Annual renewal review — we assess your coverage needs and market options
• Coordinated coverage if you operate multiple franchise brands

Arby's (Inspire Brands) has 3,500+ US locations, with strong nationwide presence including solid footprints in TX, IN, PA, and AR. As a Arby's franchise owner or operator, your insurance program must meet your franchisor's specific requirements while genuinely protecting your business. Business Insurance Brokers is an independent commercial broker — we compare multiple carriers to build the right program for your Arby's location.

Operations & Exposures

Arby's franchise operations involve quick service roast beef and sandwich restaurant with meat slicing operations, drive-through, and delivery — Inspire Brands portfolio alongside Sonic, Buffalo Wild Wings, and others. Each activity creates specific insurance exposures that must be addressed in your coverage program.

• Commercial meat slicer injuries — Arby's roast beef slicing is a significant WC exposure
• Kitchen fire from roasting and warming equipment
• Customer slip and fall in dining room and drive-through
• Food-borne illness from deli-style meat handling
• Drive-through vehicle incidents
• Employee injury from slicer, roaster, and fryer equipment
• Inspire Brands portfolio — if you also own Sonic or Buffalo Wild Wings, coordinated coverage is possible

Typical Arby's Franchise Insurance Requirements

We verify your requirements against your current Franchise Disclosure Document (FDD) and franchise agreement — these are updated periodically:

• General Liability per Inspire Brands / Arby's requirements
• Commercial Property including meat slicing and roasting equipment
• Workers Compensation per state
• Commercial Auto if delivery vehicles used
• Umbrella / Excess Liability
• Inspire Brands and Arby's Restaurant Group as Additional Insureds

Broker Note

Coverage Summary