Insurance for Franchisors

Get the right cover with Aon!

Franchisor Insurance

In tailoring coverage to Franchisors, we note that the following risks are of paramount importance and will be expressly addressed.

  • Cover the costs incurred when your franchisee cannot work - do you (or a third party contractor) temporarily need to step in to one of your franchises to fulfil their duties?
  • Cover the costs associated with handling disputes with your franchisees about your Franchise Disclosure Documents.
  • Receive immediate response (investigation, defence and crisis costs) from the time of a serious workplace injury/fatality or threatened or actual action by a Workplace Safety Authority and any subsequent insurable fine and penalty.
  • Cover the costs associated with defending yourself if a franchisee does something wrong (without your knowledge) and you are pulled into the claim.
  • Receive cover for any resulting damages to your franchisee if you do not perform according to the terms of your Franchise Agreement. You can also choose a blanket/broad contractual liability policy that covers all of your Franchise Agreements instead of requiring you to list them individually on the endorsement. Coverage automatically extends to any new contracts you sign.

We remove the hassle and equip you with all the insurance you need as a franchisor.

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Our Franchisor Insurance package options:

Professional Indemnity

If you provide advice or services in your work, it’s important to protect your business against claims of malpractice or professional misconduct.

These packages are tailored to meet the unique requirements of your business. As well as professional indemnity insurance, they may also include Product Liability insurance and Public Liability insurance cover.

Management Liability

A Management Liability insurance policy safeguards your business against allegations such as:
Occupational health and safety breaches
Employee discrimination
Financial mismanagement
Illegal conduct
Breach of directors’ or officers’ duties
Comprehensive crime

Cyber Insurance

Cyber insurance protects businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities.

Group Purchasing Arrangement

Structuring the insurance program under a Group Purchasing Arrangement provides a number of benefits to the franchisor and your franchisee operators:
  • Harness the group buying power of your brand, driving down premiums
  • Enable a streamlined acquisition, renewal and endorsement process by reducing the administration burden on your franchisees
  • Provide insurers with a community view to make assumptions about risk, risk pricing and coverage
  • Remove the “pool rating” effect experienced when sourcing cover on a stand-alone basis
  • Provide a vehicle for you to oversee and ensure the risk transfer needs of franchisees are satisfied
We can structure a program to provide pricing for changes to existing policies or quotes for new franchisees with a minimal of information required. The pricing is based on total values and turnover.
Your insurance package can automatically contain all insurances and levels of cover you require franchisees to have in place to be compliant.

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Our Group Purchasing Agreement also includes access to:

Compliance campaigns

Validate franchise operator’s compliance with their franchise agreement by Aon managing the communication exercise with your marketing department


Customised website

We can build you a website customised to your specific needs and offering greater visibility into your network.


Collect proof of insurance, giving you a direct line of sight into the compliance program.


Add a revenue stream to improve the quality of services offered by you or pass on all or part of that rebate to your franchisees.

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