Franchise Business Insurance

Franchise Business Insurance2022-04-05T13:11:33-04:00

Are you confident your Restaurant Franchise Business is getting first-class risk management protection?

When you open a restaurant franchise business, you are often joining forces with a mega brand in the industry. As such, there is usually a playbook for you to follow that outlines everything from how to design your restaurant and make the donuts to what prices you should charge to attain the most significant profit, to critical details on hiring, benefits, and more. These guidebooks were written by the many franchise owners who came before you. And, if you follow their lead, you’re likely to reap the same rewards. For more than 30 years, Fred C. Church has watched franchisees achieve success through, of course, a lot of hard work but also by following the skillful guidance of others. This experience led us to develop a franchise insurance playbook of our own. As a result, when you hire us to join your team, you’re getting more than an insurance broker. You’re also gaining a trusted resource, with years of industry experience, who can offer restaurant franchise owners essential risk mitigation advice.


Franchise Businesses Insured

Areas Of Focus

Serving the needs of restaurant franchise business owners across the U.S.

There are all different types of restaurant franchise businesses, from pizza delivery and ice cream parlors to sandwich and donut shops. However, being in the same industry does not mean that these operations have the same risk profile. Experience has shown our team that it’s far more likely for each franchise operation—even ones under the same corporate parent—to have very distinct risks and coverage needs. Therefore, we evaluate a franchisee’s level of risk exposure using several factors, including their location, their workforce, any approved menu customization, and more. When you work with Fred C. Church, you get an insurance broker who not only understands that no two franchises are alike but who may also be able to help you balance the requirements of corporate guidelines with the way you want to operate and manage your business.

We deliver customized risk management programs and services to a variety of restaurant franchise operations, including ones in the following industries:

  • Coffee & Donuts
  • Hamburgers & Fries
  • Fried Chicken
  • Mexican Food
  • Health Food
  • Pizza
  • Deli & Sandwiches
  • Smoothies
  • Ice Cream & Yogurt
  • Bakery Items

Why partner with Fred C. Church Insurance as your risk resource?

One of the many benefits of being an independent agent is our ability to represent numerous highly rated insurance carriers, many of whom are the best in the industry. These appointments allow us to provide restaurant franchise business owners of varying size, exposure, and specialty with a customized insurance plan, including Excess Liability, Food Spoilage, Equipment Breakdown, Employee Theft, Employment Practices Liability, Workers’ Compensation, and more.

A large burger

More Details

Because your restaurant franchise needs more than just a business insurance program.

With more than three decades of experience supporting restaurant franchise owners, the Fred C. Church team has built up a great deal of knowledge about your industry that we’ve included in our playbook. We understand that you hire a highly diverse workforce of all ages, many with multicultural backgrounds. We also recognize that your employees take on a wide variety of tasks, ranging from cashier to food prep and management, and that each of these roles comes with its own unique set of risks for your operation. These are just some of the factors we will consider when developing a comprehensive insurance program to protect your specific franchise operation. Most importantly, though, we realize that it is going to take more than just quality insurance coverage to manage your operation’s risks. To identify, assess, and address your specific exposures, you require the support of a knowledgeable and experienced team that can provide you with access to a variety of risk management programs and insurance solutions.

With Fred C. Church as your broker, you gain access to many tools and services to help you manage your risk, which may include:

  • Risk Management Consultants
  • Claims Specialists
  • Online Training Programs
  • Training Materials
  • Certificates of Insurance

  • 24/7 Risk Management Center
  • Incident Tracking – OSHA 300 Log
  • Safety Data Sheet Management
  • Auto/Fleet Safety Risk Assessments
  • Risk Management Roundtables
  • Tabletop Exercises
  • White Papers

Our Three-Step Risk Management Process

Working hand-in-hand with you to regularly monitor your company’s potential losses.


We start by mapping out your potential operational and financial risks; how likely each is to happen and how frequently; and what impact they may have on your organization and finances. Then, working together, we take a proactive and strategic approach to help you determine which risks require your attention first.


Our goal is to understand how you currently deal with your identified risks and if this aligns with our knowledge of best practices for your specific industry. We also review your current insurance policies, and their limits and exclusions, to discover possible gaps or redundancies that may warrant changes to your plan.


Our team puts together a risk management program to address the risks you knew about, but that may not have been adequately covered, and those that we identified for you through this process. We then offer a variety of insurance solutions that will allow you to make decisions that align with your appetite for risk.

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Client Success Stories

Here is how our people have helped other people achieve their goals.

5 stars

I have been working with the Fred C. Church team for over twenty years and the reason I stay there is their commitment to customer service and the relationship that has developed over the years. I trust them to do the best for me personally and my company. I started with them providing our property and casualty insurance and it has progressed to my homeowners insurance and all of our health insurance and benefits.

Frank Granara, President & CEO at General Insulation

Fred C. Church was by far the most productive call I made when our school had a serious fire on campus. Knowing that I was going to be warmly and professionally counseled provided me great confidence as I placed that difficult call on a Saturday in August.

Ed Griffin, Chief Financial Officer at Pomfret School

Fred C. Church does more than say, “It’s the people.” They practice, “It’s the people.” From their unmatched and outstanding customer service and follow-up to their commitment to negotiating the best policies for the fairest price, the people at Fred C. Church exceed our expectations every day.

Linda Lyons, Director, Human Resources at Brockway-Smith Company

We turned to Fred C. Church because we wanted an insurance broker that understood our needs as an employee-owned company. Not only did we get that, but we also got a company that has helped us navigate some complex business issues that we have experienced as a government contractor. We have found the people of Fred C. Church to be a valuable partner in helping us run our business better.

Donald Reynolds, Vice President of Finance and Administration at Charles River Analytics

Fred C. Church is not just an insurance broker that you only see at renewal but a trusted partner that will work alongside us to help us align our insurance program with the organization’s strategic goals. I know when I need them that they will be there for me.

Dawn Barker, Vice President, Human Resources at RiverWoods

We’re committed to doing our very best for you.

We’re committed to doing our very best for you.