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Insurance Solutions for Franchise Restaurant Owners

Franchise ownership offers structure, brand power, and opportunity. But it also comes with unique risks, tight requirements, and pressure to stay compliant across every location. That’s where Concklin Insurance comes in.

We specialize in helping franchisees protect their investment, stay aligned with brand standards, and avoid costly coverage gaps. Whether you own one unit or manage multiple locations, we build insurance plans that scale with your goals.

Franchise Experience You Can Count On

We’ve worked with franchisees across the country in quick service, fast casual, café, and specialty food brands. That means we understand the fine print in your franchise agreement, and we know how to navigate the coverage expectations set by your corporate office.

We Work with Franchisees Across a Variety of Brands

From pizza chains to sandwich shops, quick serve counters to family dining concepts, we know what it takes to insure a franchised restaurant. Our team has worked with a wide range of foodservice brands, each with its own systems, standards, and requirements.

We understand how to navigate franchise agreements, brand compliance, and multi-location operations. Whether you're just opening your first store or managing a growing portfolio, we deliver insurance solutions that fit the structure and scale of your business .

Domino’s
jersey Mikes
Blackjack Pizza and Salads
Sbarro
papa johns
East of Chicago Pizza
5 star pizza
Scholtzsky’s
which wich
potbelly Sandwich works
McAlisters
little caesars
firehouse
Jason Deli
del taco
chicken salad chick

Did you know?

LLC Franchisee owners can opt out of Workers' Compensation. But there are a few things you need to consider before giving up this coverage on yourself. 

Coverage Designed to Keep You Compliant and Competitive

Our tailored franchise insurance programs typically include:

  • General Liability

    Covers third-party injuries, property damage, and legal defense

  • Commercial Property

    Protects your building, equipment, furnishings, and inventory.

  • Business Interruption

    Reimburses lost income and operating expenses after a covered event

  • Equipment Breakdown

  • Umbrella Liability

    Adds extra coverage when primary liability policies reach their limits.

  • Crime Coverage

    Helps protect against theft, fraud, or employee dishonesty

  • Liquor Liability

    Protects against alcohol-related incidents

  • Betterments & Improvements

    Full Replacement Cost on Tenant Improvements and Betterments as well as all Personal Property.

  • Workers’ Compensation

    Covers medical costs and lost wages for employees injured on the job.

  • Employment Practices Liability (EPLI)

    Covers claims of wrongful termination, discrimination, or harassment.

  • Commercial Auto

    For vehicles that are company owned and used for deliveries, catering, or supply runs.

  • Hired & Non-Owned Auto

    Covers liability if employees use personal or rented vehicles for business purposes, such as deliveries, catering, or supply runs

  • Food Spoilage and Contamination

  • Cyber Liability

    Covers data breaches, ransomware, or stolen payment information.

  • Key Person Life Options

Get the Free QSR Franchise Insurance Guide

Download our Quick Serve Restaurant Insurance Guide, a free resource packed with practical insights, key coverages explained, and tips to help you avoid costly gaps and protect your business with confidence.

It’s free, it’s fast, and it’s built for busy QSR operators.

QSR Franchise Insurance Guide_1

Contact

  • 240 S. Westmore Meyers Road, Lombard, IL 60148

  • concklin@concklin.com

  • 630-268-1600