Insurance Solutions Catered to Quick Serve Restaurants (QSR) from Coast to Coast
When it comes to securing your business for long-term prosperity, a trusted partner can be your most valuable asset. Mirroring how you understand the ins and outs of your enterprise, we understand the ins and outs of effective insurance coverage. At Insurance One Group, we are a family owned agency that has the capability to handle all your insurance needs under one roof.
Our agents specialize in developing insurance solutions for restaurant franchisees. A niche service for our agency, we apply years of experience to each policy we write, courtesy of the hundreds of stores we insure. Relieve the pressure of identifying and reducing risk from your repertoire, and add a partnership with us to your list of assets.
A selection of the quick serve restaurants we’ve partnered with include:
Burger King
Five Guys
Golden Corral
Philly Pretzel
Jerry’s Subs and Pizza
Blaze Pizza
Bojangles’
Newk’s Eatery
Ledo Pizza
Less Paperwork, Fewer Headaches, Significant Cost Savings for Franchisees
Whether you serve up pizza, burgers, or subs, an appropriate recipe for insurance is critical to keeping your business cooking. Typically, insurance agencies require franchisees to handle excess, unnecessary paperwork, which adds time and cost. At Insurance One Group, we value your investment not only in your business, but also insurance services. Our agents strive to make the process of securing protection as streamlined as possible – providing the most bang for your buck.
Even before opening for business, franchisees are often required to have four essential insurances coverages: workers compensation and employer’s liability, commercial auto coverage (with delivery operations coverage), commercial general liability, and commercial property insurance.
Our agents are available to guide clients through these essential coverages. However, we traditionally recommend protection above corporate and state minimum requirements. Clients often determine the slight increase in premium is well worth the additional security in place.
The range of products and services we offer for franchisees include but are not limited to:
Premier Business Owners Insurance/General Liability
Commercial Property Insurance/Business Income Insurance
Business Auto Insurance/Commercial Umbrella Insurance
Commercial Workers Compensation Insurance – even self-reported pay as you owe is available
Group Health/Group Life/Dental
Employment Practices Liability
Excellent 24-hour Claims Service
Cyber Liability
Integrated ACA Products
Risk Management and Guidance
Workers compensation coverage will secure your business if employees are injured at the restaurant while working for you. It also encompasses employees who are injured on the job but not on your business premises, including during the act of delivering a product.
Similar to the comprehensive protection provided by workers comp, commercial auto insurance keeps your business covered if an employee is involved in a car accident while driving for your business. Non-owned and hired auto coverage protects your business in the event an employee’s personal vehicle is used for commercial purposes. This is frequently the case for food delivery employees.
Commercial general liability and commercial property insurance are a pair of coverages serving as the basis for our complete business insurance program. We take the time necessary to personalize these coverages to your franchise. With our Premier Business Owners Policy (BOP), the opportunity is available to secure both your building and business personal property. Additional property coverage, such as income insurance and equipment breakdown coverage, may be included. Supplemental liability coverage can be established through policy enhancements.
Restaurant franchisees should consider a Food Service Plus endorsement. Potential occurrences of food contamination, credit card forgery, and food spoilage as a result of power outages are all insured.
Agents Applying a Recipe for Success
We understand restaurant insurance for franchisees. This knowledge has been tested and established over time.
From the initial meeting to long-term policy monitoring, we desire to be part of your business operations. We not only structure policies with this personalized mindset, but also continue quality service throughout the policy’s lifecycle. If questions arise throughout this process, don’t hesitate to ask a member of our staff. Alongside dedicated agents, a live claims service is available to assist – 24 hours a day, seven days a week.
Through our afflictions with various companies, we’re able to offer several value and time added services:
Background Checks
Drug Testing
Loss Control
Safety Training
Discounts on Safety or Uniform Supplies and Services
Dividend Eligibility Workers Compensation (when available)
Pay-As-You-Go Workers Compensation (by carrier)
Time Savings Policies (when available)
Protect your investment of time, energy and funding in your franchise. By securing adequate insurance coverage, we can work together to keep your franchise cooking. For more information on our insurance services, contact our agency. If you’re ready to put a policy in the oven, request a quote.
Additional Resources:
Quick Service Industry News (Nation’s Restaurant News)
Tips for Buying Business Insurance (U.S. Small Business Administration (SBA))
Food Service Business Insurance Details (Insurance Information Institute (III))
At Insurance One Group, we’re proud to offer fast food restaurant insurance in Maryland, Virginia, North Carolina, South Carolina, Georgia, Florida, West Virginia, Delaware, Pennsylvania, New York, New Jersey, Massachusetts, Connecticut, Ohio, Illinois, Texas, California, and Washington, DC.