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Securing insurance coverage for a franchise and all of the parties involved can be a bit more complex than just purchasing coverage for a typical company. Normally, a franchisee’s insurance agent will secure the coverage needed, and then provide evidence of insurance to which they can add the franchisor as additional insured. In this case, a franchise operation for water remediation and carpet cleaning had General Liability, Auto, and Workers Compensation programs available for all of its franchisees. They were concerned about pollution and miscellaneous professional liability exposures for the franchisees and the vicarious liability for the franchisor. The franchisor offered several classes through third party educators, from basic water remediation to sewer back up and mold detection, monitoring, and remediation.

The insured received a custom program with Contractors Pollution Liability and Professional Liability for each of the 300 owner-operators with coverage tiers dependent on the training and certification. This included a $15M Contractors Pollution Liability and Professional policy for the franchisor. The program provided:

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