Meet the franchise agreement without overpaying.
Insurance packages built to the requirements in your franchise agreement, and E&O and management liability for franchisors.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Two sides of the franchise
Franchisees have to carry the coverage and limits their franchise agreement requires, often naming the franchisor as additional insured. I build packages around those requirements.
Franchisors face claims from franchisees over disclosures, support and territory, plus employment and management claims. Franchisor E&O, D&O and EPLI address them.
- Package policiesProperty and liability for each location.
- Additional insuredThe franchisor named as required.
- Franchisor E&OClaims from franchisees.
- EPLIEmployment claims.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Brand: franchise and industry.
- Role: franchisee or franchisor.
- Locations: number and addresses.
- Agreement: the insurance section of your franchise agreement.
- Revenue and payroll: annual figures.
- History: current policies and claims.
Franchise insurance, answered
Do I have to use the franchisor's insurance program?
Usually not. Most agreements set requirements, not a carrier. I'll match them.
What is franchisor E&O?
It covers claims by franchisees, such as alleged misrepresentation in disclosures or failure to provide support.
Can multiple locations share one policy?
Often, yes, which can simplify certificates and renewals.
What should I send?
The insurance section of your franchise agreement.
Do you offer franchise insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your franchise agreement. I'll shop it.
The insurance requirements and number of locations are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.