Why franchises businesses choose The Allen Thomas Group

We don’t hand you a one-size-fits-all package. We map the actual exposures of your franchises operation — equipment, locations, payroll, contracts, vehicles, regulatory environment — to the carriers that price your specific segment correctly. Then we put real numbers in front of you and explain coverage differences in plain English.

The Allen Thomas Group has been an independent insurance agency since 2003, licensed in 27 states. We shop Travelers, Liberty Mutual, Cincinnati, Auto-Owners, Progressive, Western Reserve Group, AmTrust, Hartford, and 7+ more A-rated carriers — so you see real options instead of a single captive answer.

The exposures that drive franchises premium

Most generic agents miss these. We don’t. Here are the specific risk areas that move premium and coverage decisions for franchises businesses:

• Brand requirements — franchisor mandates specific limits, additional insureds, waivers
• Multi-unit operations — single premium across multiple locations
• Employment practices — high turnover sectors
• Cyber — POS, customer data
• Workers comp — class codes by concept
• Property and GL by concept (food, retail, service)

Coverages we typically place for Franchises

The right program is rarely a single BOP. Most franchises operations need a layered approach:

Carrier appetite for Franchises

Concept-dependent — restaurant franchises through Society/Cincinnati, retail through Travelers/Liberty, service through AmTrust/Hartford.

Franchises segments we cover

Restaurant franchises (QSR, fast-casual, full-service), retail franchises, service franchises, fitness franchises, education franchises.

How we work

Discovery. A 20-30 minute call to map your operations, locations, payroll splits, contracts, vehicles, and any prior claims. We use this to identify exposures and select carriers.

Marketing. We submit to multiple A-rated carriers based on appetite and pricing fit. For most submissions you get 3-5 real options to compare.

Comparison. We don’t hand you a stack of declarations and walk away. We side-by-side the coverage differences, identify gaps and overlaps, and recommend a structure based on your risk tolerance and contract requirements.

Service. Certificates, endorsements, claims advocacy, and renewal marketing — that’s the work between bind and the next renewal. We handle it.