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Delivering insurance solutions that meet the unique needs of franchise systems — cost-effectively and with minimal administrative burden.


Access to comprehensive and stable coverage, at affordable pricing, that protects both the franchisor and franchisee.


Confirmation that franchisees purchase and maintain insurance coverages as is required by the franchise agreement.


A dedicated team, paired with the right technology, enables the franchisee to focus on running their business.

Protecting against risk is key to the lasting success of any franchise operation. Both parties to the franchise agreement will seek insurance solutions that meet their specific needs cost-effectively, with minimal administrative burden.

In addition to securing their own insurance, franchisors must ensure that their franchisees are covered in accordance with the franchise agreement and any legal requirements — a process that can be challenging, time-consuming, and costly.

And while franchisees may understand that securing appropriate insurance is critical, they may have trouble obtaining the required coverage on their own. When franchisees are forced to spend more time securing the proper coverage and less time with customers and employees, their sales potential suffers.

Implementing a coordinated franchise insurance program not only alleviates these issues, but also enhances the franchisor-franchisee relationship, becoming a valuable asset that benefits all parties.

How Marsh can help

Drawing upon decades of experience and strengthened by long-standing relationships with leading insurance carriers, Marsh offers a spectrum of affinity solutions to optimize your existing franchise insurance program or create one tailored to your organization’s unique needs, including:

  • Program management: Our program managers are the franchisor’s primary point of contact, dedicated to understanding your specific goals and spearheading the team focused on achieving program objectives. 
  • Personalized sales and service: Knowledgeable and licensed insurance representatives assist your franchisees with navigating the often-complex landscape of insurance requirements and options.
  • Rapid program adoption with marketing and communications: Using an omnichannel communications approach, Marsh will deploy co-marketing initiatives and outbound calls, email and SMS to drive program participation.
  • Analytics and insights: Access to analytics and reporting on service levels, program performance, and program compliance supports program success and reduces risk.
  • Best-in-class terms, conditions, and pricing: By combining Marsh’s advisory and brokerage services with our advanced data and analytics capabilities, we are able to design and deliver cost-effective programs, complete with streamlined application and renewal processes.

With specialized expertise and innovative affinity solutions, Marsh can develop a well-designed insurance program tailored to your franchise’s unique operations. Such a program mitigates risks and enhances the overall stability and value proposition of the franchise, setting the stage for long-term success.


A franchise insurance program is a comprehensive solution that delivers the insurance coverage required by franchisors to its franchisees through an easily accessible servicing model consisting of licensed representatives and self-service technology.  Both coverage and servicing are tailored to the unique needs of the specific franchise business.

As programs are tailored for each franchise operation, they ensure franchisees have access to high-quality, cost-effective coverage that meets the requirements outlined in the franchise agreement.  These programs help manage compliance with insurance requirements and simplify the insurance administration process for both franchisors and franchisees.  Additionally, these programs bring stability to the franchisees by ensuring availability of cost-effective coverage in changing markets.

Programs may utilize a combination of captive, master policy and market policy solutions to deliver the coverages required.  Among many factors, the selection of products will vary based on the nature of the business, the required coverages, and the complexity of the franchise.

As programs are tailored for each franchise operation, coverages will vary and would include those coverages required in the franchise agreement, as well as other lines of coverage that may be required by the franchisee to operate the business.  Examples of coverages include:

  • Business Owner’s Policy
  • General Liability
  • Commercial Automobile
  • Worker's Compensation
  • Property
  • Business Interruption
  • Employment Practices Liability
  • Cyber Liability

A franchise captive insurance program is a specialized form of risk management used within franchise organizations. In this setup, an independent captive insurance company is established to underwrite and manage the insurance needs of the franchisees. Unlike traditional insurance options, where premiums are paid to third-party insurers, the insurance company is owned and controlled by the franchisees.

The primary advantage of a captive insurance program is that it offers a customized approach to risk coverage, allowing the franchise network to pool its risks and gain more control over its insurance costs. The program can cover specific risks unique to the franchise’s industry or business model. Additional benefits include access to stable coverage, lower prices, and administrative efficiency.

Master policies provide access to carriers, products, and terms not available to individual small businesses. Master policies are a cost-effective way to handle a franchise insurance program.

Why Marsh

As the world's leading insurance broker and risk advisor, Marsh has a wealth of knowledge and experience. With a commitment to protecting and promoting possibility, Marsh offers the insurance products, technology, and service that can help safeguard franchisees and align with a franchisors strategic visions.

Whether you're a global franchise giant or an emerging player, a Marsh Franchisee Insurance Program can help you elevate your franchisor-franchisee relationship. We can help your franchisees easily obtain affordable coverage, and help you minimize risk with compliance assurance. 

Our people

Richard Ganz

Richard Ganz

Affinity Growth Leader, US

Kristie Barlow

Kristie Barlow

SVP, Sr. Partner Manager

Charles Maxell Jr

Charles Maxell, Jr.

Managing Director, US Digital Sales Leader

Jim Kuhr

Jim Kuhr

Senior Vice President, US Digital Engagement Leader

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