What is Franchise/Dominos Pizza Franchisee Program?
The Franchise/Dominos Pizza Franchisee Program is a specialized insurance solution designed to protect Domino’s Pizza franchise owners. Running a franchise comes with unique risks, including employee injuries, property damage, and business interruption. This type of insurance helps cover those risks and ensures franchisees stay compliant with corporate and legal requirements.
Who needs it
This insurance program is essential for anyone who owns or operates a Domino’s Pizza franchise. Whether you manage a single location or multiple stores, having the right coverage helps protect your business, employees, and assets. Even if corporate insurance is in place, individual franchisees often need separate policies tailored to their specific operations.
What it typically covers
The Franchise/Dominos Pizza Franchisee Program generally includes:
- General liability: Covers bodily injury or property damage to third parties.
- Commercial property: Protects buildings, equipment, and inventory against fire, theft, and other perils.
- Workers’ compensation: Required in most states, covers employee injuries on the job.
- Business interruption: Helps replace lost income during covered closures or disruptions.
- Commercial auto: Covers delivery vehicles used in the business.
- Employment practices liability: Protects against claims related to hiring, firing, or workplace conduct.
Common exclusions and limitations
While this program offers broad protection, it typically excludes:
- Intentional or fraudulent acts
- Wear and tear or maintenance issues
- Undocumented workers or off-the-books payroll
- Cybersecurity breaches (unless specifically added)
Always review your policy to understand specific exclusions and optional add-ons.
Factors that influence cost
Several factors can affect the cost of your policy, including:
- Number of locations
- Annual revenue and payroll
- Claims history
- Type and value of property insured
- Safety protocols and employee training
Each franchise is different, so premiums may vary depending on your unique risk profile.
Proof of insurance & compliance
Domino’s corporate may require proof of certain coverages as part of your franchise agreement. Additionally, state and local laws often mandate workers’ compensation and liability insurance. Keeping your policies current helps avoid penalties and ensures uninterrupted business operations.
How to get a quote
Getting coverage tailored to your Domino’s Pizza franchise is simple. Request a quote today to get started.
Frequently Asked Questions
Is insurance required to operate a Domino’s franchise?
Yes, most franchise agreements and state laws require specific types of insurance, such as workers’ comp and general liability.
Can I bundle multiple locations under one policy?
Many insurers offer multi-location policies, which can streamline coverage and potentially reduce administrative costs.
Does this insurance cover delivery drivers?
Coverage for delivery drivers is typically included under commercial auto or hired/non-owned auto policies, but must be specifically requested.
What happens if I don’t have the right coverage?
Lack of proper insurance can result in fines, liability for damages, or even loss of franchise rights.
Can I customize my coverage?
Yes, many policies allow add-ons like cyber liability or employee dishonesty coverage to tailor protection to your business needs.
Still have questions? Talk to a local insurance expert.