What is Restaurant/Dominos Pizza Franchisee Program?
This program is a set of commercial insurance options tailored for franchisees who operate Domino’s or similar quick-service restaurants. It combines common coverages — such as commercial general liability, property coverage, and commercial auto exposure — with franchise-specific endorsements and compliance documents needed by franchisors. The goal is to protect the business from everyday risks like slip-and-fall claims, cooking equipment fires, and delivery accidents.
Who needs it
Typical buyers are owners and operators of franchise storefronts, delivery teams, and small chains: franchisees, multi-unit operators, and investors who must meet franchisor requirements. Corporate franchise groups and leased-store operators also seek program-style policies that can handle multiple locations and employees. For program examples and storefront-focused options, see the Masscorp/Dominos Pizza Franchisee Program at https://completemarkets.com/Masscorp-Dominos-Pizza-Franchisee-Program-Insurance/Storefronts/.
What it typically covers
Coverages are designed to address the most common restaurant exposures and often include:
- Commercial general liability — customer injuries, advertising injury, and premises liability
- Property coverage — building, contents, kitchen equipment, and business interruption
- Commercial auto — delivery vehicle liability and physical damage
- Equipment coverage — breakage or mechanical failure of ovens and refrigeration
- Employment-related coverages — workers’ compensation and limited employment practices liability
Delivery operations introduce transportation risks that can be addressed with specific auto endorsements; see a delivery-focused example at https://completemarkets.com/Delivery-Dominos-Pizza-Franchisee-Program-Insurance/Storefronts/.
Common exclusions or limitations
Policies commonly exclude intentional acts, wear-and-tear, some food contamination events, and certain professional liabilities. Many carriers also limit coverage for off-premises catering or non-standard delivery methods. Understand whether your policy has sublimits for equipment loss, spoilage, or hired-and-non-owned auto use.
Factors that influence cost
Underwriting factors include location and neighborhood risk, annual sales, number of delivery vehicles, employee count, prior claims history, fire suppression and alarm systems, and loss-control procedures. Risk management practices — documented cleaning routines, driver training, and secure cash-handling — frequently lower premiums.
Proof of insurance & compliance
Franchisors often require Certificates of Insurance and specific endorsements naming them as additional insureds. Policies must show required limits and effective dates; carriers can issue certificates quickly when coverage is confirmed. If you’re unsure what your franchisor needs, ask your agent.
How to get a quote
Start by collecting basic business details: legal entity name, location addresses, payroll, annual gross sales, vehicle lists for delivery, and recent loss runs. Working with a broker or program administrator familiar with Domino’s franchise requirements can speed placement — see a program overview at https://completemarkets.com/Dominos-Pizza-Franchisee-Program-Insurance/Storefronts/. For a formal quote, reach out through an insurance marketplace or broker who handles multi-location restaurant accounts.
Risk scenario example: a delivery driver in a traffic accident could trigger auto liability, bodily injury claims, and possible premises-related follow-on claims if a customer is injured upon delivery.
Frequently Asked Questions
Do franchisees need separate policies for each location?
Not always. Multi-location programs can combine locations under a single policy, but some franchisors or carriers require separate schedules or limits per site.
Will my general liability cover delivery accidents?
General liability handles premises and third-party bodily injury claims, but delivery accidents are usually covered under commercial auto or specific delivery endorsements—confirm with your insurer.
What documents do franchisors typically require?
Common requests include a Certificate of Insurance naming the franchisor as additional insured, proof of required liability limits, and copies of specific endorsements. Requirements vary by franchise.
Still have questions? Talk to a local insurance expert.