What is Pizza/Dominos Pizza Franchisee Program?
The Pizza/Dominos Pizza Franchisee Program is a specialized insurance solution designed to address the unique risks faced by Domino's franchise owners. Whether you're operating a single location or multiple outlets, this program offers tailored protection for your business operations. It typically includes commercial liability, property coverage, and commercial auto exposure due to the delivery-heavy nature of the business.
Franchisees often face exposures related to food preparation, delivery accidents, and customer injuries on premises. A well-structured insurance program helps manage these risks and ensures continuity of operations.
Who needs it
This program is ideal for Domino’s franchise owners, including single-unit operators and multi-unit franchisees. It's also beneficial for managers responsible for overseeing store operations and ensuring compliance with franchise standards. Businesses that employ delivery drivers or operate branded vehicles are particularly in need of this type of coverage due to their transportation risks.
What it typically covers
A comprehensive Dominos Pizza Franchisee insurance program may include:
- General Liability Insurance: Covers third-party bodily injury or property damage claims, such as customer slip-and-fall incidents.
- Commercial Property Insurance: Protects your building, cooking equipment, signage, and inventory from fire, theft, or weather damage.
- Commercial Auto Insurance: Crucial for delivery operations, it covers vehicles used for food delivery, whether owned or non-owned.
- Workers’ Compensation: Required in most states, this covers employee injuries on the job, including kitchen burns or lifting injuries.
- Business Interruption Insurance: Compensates for lost income if a covered event forces you to temporarily close your store.
Common exclusions or limitations
While coverage is broad, there are exclusions to be aware of. Most policies do not cover:
- Intentional or criminal acts by employees or owners
- Claims exceeding policy limits
- Damage from wear and tear or poor maintenance
- Undocumented drivers or vehicles not listed on auto policies
Reviewing policy terms with an insurance professional can help identify gaps and ensure appropriate endorsements are in place.
Factors that influence cost
Insurance premiums for Dominos franchisees vary based on several underwriting factors, including:
- Number of store locations and annual revenue
- Number of delivery drivers and vehicles
- Claims history and risk management practices
- Geographic location and local crime rates
Franchisees with strong safety protocols and low claims history may benefit from more favorable rates.
Proof of insurance & compliance
Domino’s corporate and many landlords may require proof of insurance to meet franchise agreement or lease obligations. Certificates of insurance (COIs) are typically used to demonstrate coverage. Maintaining up-to-date documentation helps ensure compliance and uninterrupted operations.
How to get a quote
Getting the right coverage is simple. Work with an insurance provider experienced in franchise operations. They can tailor a package to match your business model and risk profile — whether you focus on take-out, delivery, or dine-in. Request a free quote today to get started.
Franchisees can also explore targeted programs like the Franchise/Dominos Pizza Franchisee Program or the Delivery/Dominos Pizza Franchisee Program for delivery-intensive operations.
Frequently Asked Questions
Is commercial auto insurance required for Domino’s franchisees?
Yes, if your business involves delivery using company-owned or employee-owned vehicles, commercial auto coverage is typically necessary.
Does this insurance cover food spoilage?
Some property policies offer optional endorsements for food spoilage due to equipment breakdown or power failure. Check with your provider.
Can I use personal auto insurance for delivery drivers?
Personal auto policies often exclude business use. A commercial policy or hired/non-owned auto coverage is recommended for delivery operations.
What happens if a customer slips in my store?
General liability insurance can cover medical costs or legal claims resulting from third-party injuries on your premises.
How soon can my policy go into effect?
In many cases, coverage can begin as soon as underwriting is complete and payment is made. Timelines vary by provider.
Still have questions? Talk to a local insurance expert.