Franchisor BOP Program from Roundstone
Roundstone’s Franchisor Business Owners Policy (BOP) Program is a plug-and-play, admitted solution built to help franchisors standardize insurance across their systems and give franchisees quick access to consistent, compliant coverage. Designed for brokers and agents, this program combines a streamlined policy package with the underwriting discipline of a captive program placed through admitted carriers.
Use this program when you need a scalable, repeatable platform for franchise networks that must meet corporate insurance requirements while keeping placement efficient for multiple locations and states.
Ideal Accounts and Appetite
The program targets franchisors and their franchisees across a broad set of common franchise sectors, including:
- Food & beverage (quick-service restaurants, coffee shops, bakery concepts)
- Retail and specialty stores
- Fitness centers and personal-service franchises
- Automotive service and light repair franchises
- Educational and tutoring centers
Roundstone prefers well-managed, low- to moderate-risk operations with standard operations and proven controls. Higher-risk specialty operations, large-scale manufacturing, or locations with significant prior loss activity may require alternate placement.
Coverage Highlights and Advantages
The Franchisor BOP Program packages essential commercial coverages into a single, easy-to-administer offering. Available coverages include:
- Business Owners Policy (BOP)
- General Liability (GL)
- Commercial Auto and Auto Liability (AL)
- Inland Marine (IM)
- Commercial Property
Because policies are placed through admitted carriers, you get the regulatory advantages that many franchisors require, plus consistent policy language and centralized underwriting for multi-location accounts.
Underwriting Notes
Roundstone’s underwriting team emphasizes practical, responsive evaluations for franchise systems. Submissions typically should include recent loss history, the number of locations, and the franchisee’s business classification. Underwriters will also consider controls, training programs, and franchise-wide risk-management practices when pricing and binding.
Minimum premiums and specific terms vary by state, class, and account profile; Roundstone works with brokers to develop competitive packages tailored to each franchise system.
Territories and Availability
The Franchisor BOP Program is available nationwide — all 50 states and Washington, D.C. This makes the program a convenient option for franchisors with multi-state footprints or plans to expand into new markets.
Why Work With Roundstone on This Business
Roundstone specializes in structured, scalable insurance solutions for franchise systems. As a captive provider working through admitted carriers, Roundstone combines disciplined underwriting with market access and operational ease. Agents benefit from:
- One-stop packaging of core commercial coverages
- Consistent policy forms and admitted placements for regulatory compliance
- Responsive underwriting familiar with franchise dynamics
- Nationwide availability for multi-state accounts
Example Accounts
- You represent a regional quick-service restaurant franchisor rolling out a uniform liability and property package for new franchisees across five states — this program helps standardize limits and coverages while simplifying submission and binding.
- You have a franchisee operating multiple boutique fitness studios that needs a consistent BOP and GL program plus an auto-liability solution for instructors who travel between sites — Roundstone can combine those coverages into a single placement.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is best for franchisors and franchisees in sectors such as food service, retail, fitness, automotive services, and education that need scalable, uniform coverage and admitted placements.
Can I place business for franchisees operating in multiple states?
Yes. The program is available in all 50 states and Washington, D.C., making it suitable for multi-state franchise operations and national rollouts.
What coverages are included in the package?
The program bundles BOP, General Liability, Auto Liability, Inland Marine, and Commercial Property coverages into a single, coordinated offering for franchise clients.
Are the carriers admitted?
Yes. All placements under this program are made through admitted carriers to support compliance and consistent policy forms.
What is required to submit an account for underwriting?
Typical submissions include the franchisee’s business classification, number of locations, and recent loss history. Roundstone’s underwriters will advise on any additional documentation needed for specific classes or exposures.
Need help placing an account? Connect with a market specialist.