Franchise Food operations are among the fastest-growing segments of the restaurant industry. RMS Hospitality Group understands the specialized insurance needs of franchised restaurants and has built a dedicated Franchise Food program to help agents place single-unit and multi-unit franchise risks with confidence.
Franchise Food Program Overview
The Franchise Food program provides tailored insurance solutions for a broad range of franchised dining establishments. Whether your client runs a single location or a multi-unit system, RMS delivers competitive products and practical risk management support that reflect the compliance-driven, high-turnover nature of the foodservice industry.
RMS brings decades of hospitality experience to this program. Our background includes being appointed as a nationwide approved vendor for McDonald's in 1994, a role that helped establish RMS as one of the largest brokers in the segment during that decade.
Ideal Accounts and Appetite
We write a wide variety of franchised food operations, including:
This program is a strong fit for agents with clients expanding franchise footprints or transitioning from independent operations to national systems. Generally not a fit are accounts with majority liquor sales, nightclubs, large entertainment venues, or operations with unusually high cooking or exposure profiles without prior underwriting review.
Coverage Highlights and Advantages
The Franchise Food Select Program includes a full suite of coverages designed for restaurant exposures:
Policies focus on the day-to-day risks restaurants face—from slip-and-fall and foodborne illness claims to liquor liability and property damage—with program wording and limits suited to franchised operations.
Underwriting Notes and Minimum Premiums
Underwriting considers location, unit count, revenue, cooking operations, loss history, and franchise standards. Minimum premiums vary by state, size, and risk profile; RMS underwriters are available to help structure coverage that meets operational requirements and budget constraints.
Territories and Availability
This program is available in all 50 states and Washington, DC. RMS can provide consistent placement and program continuity whether your client is opening a single site or expanding a regional footprint.
Why Work With RMS Hospitality Group?
As a Managing General Agency focused on hospitality, RMS combines deep industry knowledge, long-standing carrier relationships, and practical risk management resources. Agents benefit from specialized underwriting, responsive support, and market access that generalist brokers may not offer.
Example scenarios you can place through this program:
If you need help placing a franchise restaurant account, RMS Hospitality Group provides market access and underwriting expertise to move the submission efficiently. Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We specialize in franchised food operations such as quick service restaurants, fast food chains, and family-style or casual dining locations with less than 50% liquor sales.
Can this program handle multi-location franchise operations?
Yes. The program supports single-unit and multi-unit franchise operations and offers scalable coverage solutions as clients grow.
Is liquor liability included in the coverage?
Yes. Liquor liability is available for eligible restaurants that maintain less than 50% of revenue from liquor sales.
What states is the program available in?
The Franchise Food program is available in all 50 states and Washington, DC.
What carriers are used in this program?
RMS works with various carriers to align a client’s risk profile with competitive and comprehensive options; carrier selection is made based on the specific submission.
Need help placing an account? Connect with a market specialist.