What is Delivery/Dominos Pizza Franchisee Program?
The Dominos Pizza Franchisee Program Insurance is designed specifically for franchise owners operating under the Domino’s brand. This type of coverage helps protect against a variety of risks common in food delivery operations and retail food service. It typically combines several coverage types tailored to the unique exposures faced by pizza delivery businesses, including property damage, liability from foodborne illness, and commercial auto exposure.
Whether you're managing a single location or multiple stores, this program can provide peace of mind by addressing both customer-facing and operational risks.
Who needs it
This insurance is essential for Domino’s franchise operators, delivery-focused restaurants, and foodservice businesses with in-house or third-party delivery services. It’s especially relevant for franchisees who employ delivery drivers or operate commercial kitchen equipment. Small restaurant groups and pizza retailers can also benefit from this specialized coverage.
What it typically covers
Dominos Franchisee Insurance Programs often include:
- General liability coverage to protect against customer injury claims or property damage
- Commercial auto insurance for delivery vehicles, whether owned or employee-operated
- Property insurance for the restaurant premises, kitchen equipment, and signage
- Employment practices liability for claims related to hiring, firing, or workplace conduct
- Business interruption coverage in case of temporary closure due to fire, flood, or other covered events
For example, if a delivery driver causes an accident during a delivery run, the commercial auto policy can help cover resulting damages or injuries.
Franchisees may also consider additional protections such as Employment Practices Insurance for Domino's Pizza Franchisees to address risks related to HR disputes or allegations.
Common exclusions or limitations
Typical exclusions may include:
- Intentional acts or criminal activity
- Uninsured or unauthorized drivers using personal vehicles for deliveries
- Wear and tear or equipment breakdown not linked to a covered peril
- Liabilities outside of your franchise agreement’s scope
It’s important to review your policy carefully and understand any exclusions that may apply to your operations or delivery procedures.
Factors that influence cost
Several underwriting factors affect the cost of your franchisee insurance, including:
- Number of locations and annual revenue
- Employee count and delivery volume
- Claims history and safety record
- Type and value of equipment and vehicles used
Programs like the Management and Safety Services Corporation/Dominos Pizza Franchisee Program may offer resources to improve safety and reduce premiums over time.
Proof of insurance & compliance
Most franchise agreements require proof of insurance before you can begin operations. Insurers typically issue certificates of insurance (COI) that demonstrate compliance with your franchisor’s insurance requirements. Keeping these documents up to date is critical for maintaining your franchise status and protecting your business.
How to get a quote
To get started, gather basic information about your franchise operations, including number of employees, delivery procedures, and existing coverage. Our team can help you find a tailored policy that meets both corporate and operational needs.
Request a quote today to protect your Domino’s franchise investment.
Frequently Asked Questions
Does this insurance cover delivery driver accidents?
Yes, if you include commercial auto coverage, it can help protect against liability from delivery-related vehicle accidents.
Can I use my personal auto insurance for delivery?
Most personal auto policies exclude business use like food delivery. Commercial auto coverage is typically required.
Is equipment breakdown included?
Only if you add specific coverage for equipment breakdown. Standard property insurance may not cover internal failures.
What if I own more than one Domino’s location?
You can usually insure multiple locations under one policy, with adjustments based on size and exposure.
Are lawsuits from employees covered?
Employment practices liability coverage can help with claims related to hiring, discrimination, or workplace issues — if it’s included in your policy.
Still have questions? Talk to a local insurance expert.