What is Dominos Pizza Franchisee Program?
The Dominos Pizza Franchisee Program describes insurance and risk-management coverages tailored for Domino’s franchise owners and their operations. Coverage options commonly address day-to-day exposures for storefronts, delivery drivers, and kitchen operations, and can include commercial general liability, property coverage, and commercial auto exposure specific to delivery vehicles. For an overview of program options and carrier requirements, see the Domino's Pizza Franchisee Program.
Who needs it
Typical applicants are franchisees, store operators, and multi-unit owners who want to protect the business, employees, and customers. Delivery drivers, third‑party contractors, and franchise landlords also benefit from targeted policies such as equipment coverage for ovens and refrigeration, or participant accident coverage for in-store events.
What it typically covers
Policies written for franchisees usually combine several coverages to address franchise operations:
- Commercial general liability — slip‑and‑fall, foodborne illness claims, and customer injuries.
- Commercial auto — delivery vehicle accidents and transportation risks.
- Property coverage — building, contents, and equipment coverage for ovens and POS systems.
- Business interruption — lost income after a covered physical loss.
- Workers’ compensation — employee injuries on the job.
Some franchise programs also offer or require Franchise-specific endorsements and risk management resources tied to underwriting factors like claims history and safety protocols. For details on delivery-related exposures and coverage language, review Domino's Pizza Franchisee Program Insurance.
Common exclusions or limitations
Standard exclusions can include intentional acts, routine wear and tear, and certain food contamination scenarios not covered by basic liability. Many policies limit coverage for hired-and-non-owned autos or impose sublimits on high-value equipment. Franchise agreements may also require minimum limits and specific endorsements — these are underwriting matters and vary by carrier.
Factors that influence cost
Premiums reflect several underwriting factors: claims history, number of delivery vehicles, payroll (which affects workers’ compensation), building construction, revenue, and implemented safety controls such as driver screening or grease management. Adding higher limits, lower deductibles, or specialized endorsements increases cost; good loss control practices can help reduce premiums over time.
Proof of insurance & compliance
Franchise agreements and local regulators may require certificates of insurance, additional insured endorsements, or specific policy forms. Keep updated COIs and policy pages available for franchise inspections, lease agreements, and vendor relationships.
How to get a quote
Gather basic business details: location, payroll, number of delivery vehicles, and loss history. Submit information through a broker or an online portal, or talk to your agent who can compare programs and explain required endorsements. If you want background on program features or carrier relationships, the Domino's Pizza Franchisee Program page can be a helpful reference.
Risk scenario
For example, a common exposure is a delivery driver who is in a collision while making a run — that loss can involve commercial auto claims, liability to third parties, and potential recovery for damaged property.
Helpful resources
If your focus is delivery operations or storefront liability, you may also find franchise-specific program descriptions useful; one resource outlines delivery‑focused program features in more detail at Domino's Pizza Franchisee Program Insurance.
Frequently Asked Questions
Do franchise agreements require specific insurance limits?
Many franchise agreements require minimum limits and certain endorsements—requirements vary by franchisor and location, so confirm with your franchise documents and insurer.
Will my regular business policy cover delivery drivers?
Standard business policies often exclude hired-and-non-owned auto exposures; a commercial auto policy or appropriate endorsement is usually necessary for delivery operations.
How can I lower my premiums?
Improving loss-control measures (driver training, slip-and-fall prevention, routine equipment maintenance) and maintaining a clean claims history are common ways to reduce underwriting risk and premiums.
Still have questions? Talk to a local insurance expert.