What is Masscorp/Dominos Pizza Franchisee Program?
The Masscorp/Dominos Pizza Franchisee Program is an insurance solution designed for Domino’s franchise operators. It bundles common coverages needed to protect a store’s property, staff, customers and vehicles—helping manage exposures like commercial liability, property coverage and commercial auto exposure. Policies are typically tailored to the franchise model and coordinated with corporate requirements and local licensing.
Who needs it
Independent franchise owners, multi-store operators, and new franchisees often seek this program to meet corporate and landlord requirements. Smaller operators who handle delivery, take-out or in-store dining may rely on the program’s combined protections. Franchise/Dominos Pizza Franchisee Program can be a helpful reference when comparing options for a store that offers delivery and walk-in service.
What it typically covers
Typical coverages include general commercial liability for customer injuries or third-party property damage; property and contents coverage for ovens, refrigerators and point-of-sale equipment; equipment coverage for business-critical machinery; and commercial auto coverage for delivery drivers. Some packages also offer participant accident coverage for on-site staff injuries and limited event liability if you host promotions. Underwriting factors and limits vary by carrier and store operation.
For franchisees with delivery operations, specialized endorsements may address delivery-related exposures—see Delivery/Dominos Pizza Franchisee Program for more context on delivery-specific considerations.
Common exclusions or limitations
Exclusions often include intentional acts, professional liability for non-covered services, wear-and-tear on equipment, and certain high-risk hired-and-non-owned auto situations. Flood, earthquake, and other named perils may require separate policies. Review policy exclusions carefully and work with your broker to identify gaps in coverage.
Factors that influence cost
Premiums depend on store size, number of drivers, annual revenue, loss history, building construction, and risk management practices. Other underwriting factors include whether you offer dine-in service, use delivery workers or independent contractors, and the presence of alarm systems or commercial-grade cooking equipment. Good risk management—regular equipment maintenance, driver training, and clear safety procedures—can reduce exposure and sometimes lower premiums.
Proof of insurance & compliance
Franchisors often require proof of insurance and specific limits before a store opens. Certificates of insurance (COIs) listing the franchisor or landlord as an additional insured are a common requirement. Keep updated COIs on file and confirm additional insured endorsements or waiver of subrogation language if your franchise agreement specifies them.
How to get a quote
To get an accurate quote, prepare basic information: store revenue, number of locations, driver setup, payroll, and loss history. If you work with a broker, they’ll request those details and explain options across liability, property, equipment coverage and commercial auto exposure. For broader corporate or management-related programs, review the Management and Safety Services Corporation/Dominos Pizza Franchisee Program materials and ask your broker about bundled options. If you want an online quote, you can talk to your agent.
Risk scenario (example): a delivery driver slips on an icy sidewalk, injuring a customer—this could involve liability, medical payments and potentially commercial auto considerations, underscoring why combined coverage matters.
Frequently Asked Questions
Do I need separate insurance for delivery drivers?
Many carriers include commercial auto or hired-and-non-owned auto coverage options, but requirements depend on whether drivers are employees or independent contractors. Confirm details with your insurer or broker.
Will this program cover equipment breakdown?
Equipment coverage is often available as an endorsement, but routine wear-and-tear is typically excluded. Ask about specific equipment breakdown or spoilage coverage if you rely on refrigeration or ovens.
How do I show proof of insurance to the franchisor?
You normally provide a certificate of insurance listing the franchisor and/or landlord as additional insured. Check franchise requirements for limits and endorsement language.
Still have questions? Talk to a local insurance expert.