Insurance FOR FRANCHISES

SPECIALIST FRANCHISE INSURANCE FOR BUSINESSES

Franchised food outlets have become very popular in the UK and carrying a well know brand has helped many businesses to become very successful.

Whether you have 1 pizza shop or a large chain of coffee shops, you’ll want to protect your business from any potential losses by having tailored insurance cover in place.

With our experience in this industry, we’ll work with you to build a packaged policy to meet your own insurance needs and the requirements of your franchise, whilst still keeping your premiums competitive.

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we'll build a packaged policy that’s right for your FRANCHISE

EXAMPLES OF SOME OF THE COVERS YOU’LL NEED

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Public liability insurance covers the cost of claims made by members of the public for incidents that occur at your franchise. It covers the cost of compensation for personal injuries and loss of, or damage to property.

Our policies will usually give £2million or £5millon worth of public liability cover depending on your restaurant’s specific needs.

Employers’ liability insurance covers the cost of compensating employees who are injured at or become ill through working for your business.

If you have employee’s, this cover is a legal requirement.

Business interruption insurance covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected adverse event. It aims to put your business back in the same position as you were prior to the event.

Examples of incidents may be fire, flooding or storm and we will usually provide cover for a period of either 12, 24, or 36 months depending on your businesses’ requirements and the type of property you are trading from.

Many franchisees do not own the building they are situated however, they will have incurred costs to meet the specific style or branding of the franchise and can include such alterations as signs, flooring, rewiring and partition walls which will need to be covered.

TYPICAL EXAMPLES OF CLAIMS THAT COULD ARISE

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For franchises on high streets, claims for smashed or cracked glass are common either by accidental, malicious damage or forcible entry.

Deep fat fryers can increase the likelihood of a fire breaking out in food franchise businesses. We’ll advise you how often these and ducting need to be cleaned and serviced to protect you in the event of this common claim.

Food poisoning is a claim commonly associated with takeaway food and restaurants and whilst you may have taken every precaution necessary, mistakes happen that can lead to a customer becoming ill from the food you’ve served. Our policies will cover the cost of defending yourself if someone takes legal action against you.

Insurers will want to know your current food hygiene rating and will often rate your premium on this. So, making sure you have attained a good score is evidence of a well-run food business.

Speak to us and we’ll discuss in more detail about other covers you may want to consider when insuring your franchise, such as directors and officers, legal expenses, and employee dishonesty insurance.

NOT SURE WHAT COVER YOU REQUIRE?