Domino's Franchisee Insurance
Coverage Aligned With Domino's Franchise Requirements
Domino's franchisees need insurance that reflects both restaurant operations and delivery-focused risk. Employee injuries, customer claims, delivery driving, commercial auto requirements, property protection, employment practices claims, franchise insurance standards, and multi-location operations should be reviewed together.
Concklin Insurance Agency has worked with Domino's franchisees for decades. We understand the franchise model, the delivery exposure, and the insurance requirements franchise operators are expected to meet.
We help Domino's franchisees protect their stores, employees, vehicles, revenue, and long-term business value with coverage designed around the way their restaurants operate.
Domino's Franchise Experience
Concklin insured its first Domino's franchise in 1983 and has worked with Domino's franchisees for decades.
Franchise Insurance Program Knowledge
Our team understands the coverage requirements and operational risks that franchise restaurant owners need to review.
Delivery-Focused Coverage Guidance
Delivery creates daily auto exposure. We help franchisees review hired and non-owned auto, owned auto, driver procedures, and liability limits.
Endorsed by the Domino's Franchise Association
Concklin is endorsed by the Domino's Franchise Association and is proud to be a Bronze Vendor Partner.
Insurance for Domino's Franchise Owners and Operators
Domino's franchisees need insurance that keeps pace with daily store operations, delivery activity, employee risk, property protection, and franchise requirements.
A Domino's insurance program may need to account for employee-owned vehicles used for delivery, company-owned vehicles, customer injuries, employee injuries, employment-related claims, cyber threats, equipment, inventory, leased locations, business income loss, and multi-location growth.
Concklin helps Domino's franchisees coordinate these coverages so the insurance program works as a whole instead of as separate policies that are reviewed in isolation.
Concklin supports Domino's franchisees with:
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Coverage solutions aligned with Domino's program requirements
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Experienced agents who understand restaurant delivery operations
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Carrier options for changing market conditions
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Risk management guidance to help reduce claims and protect the business
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Support with renewals, certificates, claims questions, and coverage updates
Coverage Built Around Domino’s Requirements
With Concklin Insurance Agency, you meet corporate standards with confidence, knowing you are also getting the protection you need for your actual operation.
Hired & Non-Owned Auto
Hired and non-owned auto coverage helps protect the business when employees use personal vehicles for delivery or other business-related driving. For Domino’s franchisees, this is one of the most important coverages to review because delivery creates daily auto exposure.
General Liability
General liability coverage helps protect against covered third-party claims involving bodily injury, property damage, personal injury, advertising injury, and certain lawsuits connected to store operations.
Commercial Property
Commercial property insurance helps protect buildings, business personal property, equipment, furniture, fixtures, signs, inventory, and other covered property.
Umbrella or Excess Liability
Umbrella or excess liability coverage can provide additional liability limits above certain underlying policies.
Cyber Liability
Cyber liability coverage can help respond to certain data breaches, ransomware events, phishing losses, payment-related incidents, and business interruption losses caused by covered cyber events.
Why Domino’s Franchisees Have Trusted Concklin Since 1983
Experience That Reduces Risk
We have insured Domino’s franchisees for more than 35 years. We know the franchise model, the delivery exposures, and how to structure protection that works for your business.
A True Partner, Not Just a Policy
Our job is not to sell you a policy and disappear. We serve as your trusted insurance advisor, working on your behalf to minimize risks, reduce claims, and protect your profitability.
Consistent, Competitive Pricing
Concklin does not rely on one insurance market for Domino's franchisees. We work to maintain carrier options so franchise operators have a solution when pricing changes, underwriting appetite tightens, or a carrier leaves the market.
That flexibility helps us pursue competitive pricing without losing sight of Domino's franchise requirements, delivery exposure, and store-level coverage needs.
Delivery Creates One of the Largest Insurance Exposures
Delivery is central to the Domino's business model, and it creates insurance issues that many restaurant policies do not handle well.
A delivery-related accident may involve an employee driving a personal vehicle, an employee driving a company-owned vehicle, a driver with inadequate personal auto limits, damage to another vehicle, injuries to another person, damage to customer property, or a lawsuit naming the franchise business.
Personal auto policies may limit or exclude coverage when a vehicle is used for business delivery. That is why hired and non-owned auto, commercial auto coverage, umbrella limits, and delivery procedures should be reviewed together.
Concklin helps Domino's franchisees evaluate auto coverage so delivery risk is not treated as an afterthought.
Employment Practices Risk for Domino's Franchisees
Restaurants can face employment-related claims even when ownership and management are trying to do the right thing. Fast-paced work environments, young workers, part-time schedules, high turnover, and wage-and-hour disputes can all create exposure.
Employment practices liability insurance may help protect against certain claims involving discrimination, harassment, retaliation, wrongful termination, failure to hire, failure to promote, hostile work environment allegations, wage-and-hour issues, and mileage reimbursement disputes, depending on the policy.
Domino's Franchisees should also ask about EPLI policies that include third-party coverage for certain claims made by customers, vendors, or other non-employees.
Common claim examples may involve:
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A former employee alleging wrongful termination
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An employee claiming harassment or discrimination
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A worker alleging retaliation after reporting a concern
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A dispute over scheduling, discipline, or promotion decisions
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A wage-and-hour or mileage reimbursement dispute
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A customer alleging improper conduct by an employee
Why Domino's Franchisees Work With Concklin
Decades of Domino's Franchise Experience
Concklin insured its first Domino's franchise in 1983 and later developed a national program for Domino's franchisees. That history gives our team a stronger understanding of franchise requirements, delivery risk, carrier expectations, and the day-to-day exposures store operators face.
Franchise-Specific Coverage Knowledge
A Domino's franchisee has different risks than a typical restaurant. We understand how delivery, employees, vehicles, property, EPLI, workers' compensation, and franchise requirements fit together.
Independent Carrier Access
Concklin works with a wide range of insurance carriers. That gives franchisees access to multiple options instead of relying on a single market.
If one carrier leaves the market, we are already working to find another solution.
Ongoing Support for Requirements, Renewals, and Claims
We help franchisees review insurance requirements, compare policies, manage renewals, & understand coverage changes. If a claim happens, we help clients communicate with their carrier, work through any questions, & identify risk management tools.
Concklin Insurance Agency is proud to be a Bronze Vendor Partner of the Domino's Franchise Association.
Frequently Asked Questions
Can Concklin help me meet Domino's insurance requirements?
Yes. Concklin understands Domino's franchise insurance requirements and helps franchisees find coverage that aligns with those requirements. We also help with proof of insurance, renewals, and coverage updates when stores, vehicles, entities, or operations change.
Do I need coverage if my employees use their own cars for delivery?
Yes. If employees use personal vehicles for delivery, hired and non-owned auto coverage is a key part of your insurance program. A driver's personal auto policy may limit or exclude coverage when the vehicle is being used for business delivery, and the franchise business can still be named in a claim after an accident.
What if my store owns delivery vehicles?
If the business owns, leases, or operates vehicles, commercial auto coverage needs to reflect how those vehicles are used, who drives them, the required limits, and how the coverage works with the rest of the insurance program.
Can Concklin help with insurance for multiple Domino's locations?
Yes. Concklin helps multi-location operators coordinate coverage across stores, entities, vehicles, payroll, leases, contracts, and franchise requirements. This helps keep the insurance program organized as the franchise grows, adds locations, changes ownership structure, or expands into new states.
What should I update when I open or acquire another Domino's location?
A new or acquired store affects property coverage, business income limits, lease requirements, workers' compensation payroll, auto exposure, EPLI, umbrella limits, certificates of insurance, and policy schedules. Concklin can help add the new location and coordinate the changes across your insurance program.
Does workers' compensation cover delivery drivers?
Workers' compensation applies when an employee is injured in the course of employment, including certain delivery-related injuries. State rules, claim facts, and policy details may affect coverage, so delivery activity should be included when reviewing the workers' compensation program.
Does EPLI matter for Domino's franchisees?
Yes. Domino's often deals with part-time employees, scheduling issues, turnover, manager decisions, customer interaction, wage-and-hour concerns, and workplace conduct issues. EPLI can help protect against certain employment-related claims, including discrimination, harassment, retaliation, wrongful termination, and similar allegations.
Insurance Insights and Risk Management Guidance
Our blog articles help you stay informed and make smarter insurance decisions
Talk to one of our Domino's Specialists
Craig Concklin
President
Michael Mormando
Agent/Producer
Michael O'Donnell
Agent/Producer
Client Resources
Client Portal
The Zywave portal gives Concklin clients access to professionally written insurance, HR, safety, compliance, and risk management resources. Content can be tailored by industry, state, and preference, with email updates available when new resources are added. Contact your Concklin representative with any questions.
Client Advocacy
Independent Agents act more like Trusted Advisors. We have your best interests in mind, even after coverage is bound. Like a Trusted Advisor, Independent Agents are your advocate if a claim should occur. Being in your corner means being there every step of the way, from helping you decide if a claim should be filed to talking with claims auditors and adjusters, the wellbeing of our clients is our number one priority.
Cyber Resources
Cyber threats can create serious costs for small businesses, including breach response, forensic work, customer notifications, legal expenses, and reputational damage. Concklin Insurance Agency offers cyber liability insurance, along with resources to help business owners better understand and reduce their cyber risk.
Request a Domino's Insurance Review
Concklin Insurance Agency can help you review your current program, compare coverage options, and build an insurance plan around your Domino's stores, delivery operations, employees, vehicles, property, and franchise requirements.