Jersey Mike's Franchisee Insurance
Insurance built for Jersey Mike's franchise owners
As a Jersey Mike's franchisee, you need insurance that fits both the Jersey Mike's insurance requirements and the way your stores operate. Store buildouts, employees, customer traffic, equipment, inventory, business income, catering, third-party delivery relationships, cyber risk, and multi-location growth all need to be accounted for.
Concklin Insurance Agency is a Preferred Insurance Vendor for Jersey Mike's franchisees. We help you place and manage an insurance program that supports your stores, satisfies program requirements, and stays organized as your business changes.
Whether you are opening your first location, acquiring another store, remodeling an existing location, or managing multiple stores, our team can help you review your current insurance, prepare required documentation, and start the quote process.
Preferred Insurance Vendor
Concklin is a preferred insurance vendor for Jersey Mike's franchisees and understands the coverage requirements operators need to meet.
Jersey Mike's Program Knowledge
Our team works with Jersey Mike's franchisees across the United States and helps operators keep coverage aligned with insurance requirements.
Multi-Location Support
We help you coordinate insurance across stores, entities, leases, employees, certificates, and renewal timelines as your Jersey Mike's business grows. Whether you are opening a new location, acquiring an existing store, or managing several locations, we help keep the insurance details organized.
Deli Stretch Coverage
Deli Stretch is an enhanced coverage package from The Hartford that may be available to eligible Jersey Mike's franchisees. It can help address risks such as hired and non-owned auto, temperature changes, outdoor signs, off-premises utility service interruption, employee dishonesty, and accounts receivable.
Insurance for Jersey Mike's Franchisees
A Jersey Mike's store has many moving parts. Employees prepare food, serve customers, handle payments, manage inventory, clean equipment, receive deliveries, and work in a fast-paced environment.
Those daily operations create insurance concerns tied to property, liability, workers' compensation, employment practices, cyber risk, business income, tenant improvements, and employee dishonesty.
Concklin helps you build an insurance program that addresses those risks while staying aligned with Jersey Mike's requirements.
Concklin helps you:
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Align insurance with Jersey Mike's program requirements
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Review property, liability, workers' compensation, EPLI, business income, cyber, and hired and non-owned auto exposures
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Address catering, errands, supply runs, bank deposits, and third-party delivery relationships
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Organize insurance across multiple stores and ownership entities
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Manage renewals, certificates, claims questions, and policy updates
Coverage Aligned With Jersey Mike's Program Requirements
Jersey Mike's franchisees are expected to carry insurance that meets program requirements. Concklin helps you place policies that satisfy those requirements while also addressing the practical risks of operating a restaurant.
Protect the Store and Business Property
Your insurance program should account for business personal property, tenant improvements and betterments, equipment, furniture, fixtures, inventory, outdoor signs, and other property used to operate the store.
Address Customer and Employee Risk
Restaurant claims may involve customers, employees, vendors, contractors, third-party delivery drivers, catering activity, and other visitors. General liability, workers' compensation, EPLI, umbrella liability, and risk management procedures should be reviewed together.
Support Business Continuity
A covered property loss, equipment issue, utility interruption, cyber event, or sudden absence of essential personnel can disrupt store operations. Business income and extra expense coverage can help protect the business when operations are interrupted by a covered loss.
Key Insurance Coverages for Jersey Mike's Franchisees
General Liability
General liability coverage helps protect against covered claims involving bodily injury, property damage, personal injury, advertising injury, and certain lawsuits connected to store operations.
Claims may involve customer injuries, slip-and-fall incidents, food-related allegations, or damage to another person's property.
Employment Practices Liability Insurance
Employment practices liability insurance, often called EPLI, can help protect the business from certain claims involving discrimination, harassment, retaliation, wrongful termination, failure to hire, failure to promote, and other employment-related allegations.
Restaurants often face exposure tied to part-time employees, scheduling, turnover, manager decisions, customer interaction, wage-and-hour concerns, and workplace conduct.
Crime and Employee Dishonesty
Crime coverage can help protect against certain losses involving employee theft, forgery, fraud, funds transfer fraud, or other dishonest acts.
For restaurant businesses, this coverage may be important when employees handle cash, payments, inventory, deposits, or accounting functions.
Workers' Compensation
Workers' compensation helps cover medical expenses, lost wages, rehabilitation costs, and disability benefits when employees suffer work-related injuries or illnesses.
Claims may involve slips and falls, cuts, burns, lifting injuries, repetitive motion, cleaning tasks, or other work-related injuries.
Umbrella or Excess Liability
Umbrella or excess liability coverage can provide additional liability limits above certain underlying policies. Franchisees should review whether their limits are adequate based on program requirements, customer traffic, employee count, contracts, and overall risk tolerance.
Commercial Property Insurance
Commercial property insurance helps protect business personal property, equipment, furniture, fixtures, signs, inventory, tenant improvements, and other covered property from covered causes of loss such as fire, theft, vandalism, and certain weather-related events.
Business Income and Extra Expense
Business income coverage can help replace lost income when a covered property loss forces the store to close or reduce operations. Extra expense coverage can help pay certain additional costs needed to keep operations moving or reduce the length of the shutdown.
Tenant Improvements and Betterments
Franchisees often invest heavily in leased-space buildouts, finishes, counters, fixtures, signage, equipment, and other improvements. Coverage should be reviewed to make sure tenant improvements and betterments are properly insured.
Business Income for Off-Premises Utility Services
A utility interruption away from the store can still affect operations. This coverage may help when a covered interruption to off-premises utility service disrupts the store's ability to operate.
Cyber and Data Breach Coverage
Jersey Mike's stores handle customer payments and may rely on digital systems for operations, payroll, ordering, scheduling, and communication. Cyber and data breach coverage can help respond to certain data breaches, ransomware events, phishing losses, privacy claims, and related expenses.
Hired and Non-Owned Auto
Hired and non-owned auto coverage helps protect the business when employees use personal vehicles for business purposes, such as catering, bank deposits, supply runs, errands, or other work-related trips.
Jersey Mike's is not a delivery-based restaurant, but errands and third-party delivery relationships can still create auto-related coverage questions.
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The Hidden Risk of Third-Party Delivery Services
In today's fast-paced world, third-party delivery services like DoorDash, Uber Eats, Grubhub, Postmates, and Instacart have become essential for restaurants and other businesses. These services offer a convenient way to reach customers, boosting sales and expanding market reach. However, they also come with hidden risks that many business owners might not be fully aware of. One of the most significant risks is the potential liability for accidents caused by delivery drivers. This is where hired and non-owned auto liability insurance becomes crucial.
Deli Stretch Coverage
Deli Stretch is designed to address coverage needs common to sub shops and fast-casual restaurant businesses.
Depending on the policy, Deli Stretch may include coverage for:
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Hired and non-owned auto
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Temperature changes
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Outdoor signs
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Business income for off-premises utility services
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Employee dishonesty
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Accounts receivable
These features help fill coverage areas that are especially relevant to sub shops and fast-casual restaurants. Exact coverage terms, limits, exclusions, and availability should be reviewed by policy.
Franchise Upgrade Coverage
A covered property loss can create costs beyond simply replacing what was damaged. A franchisee may need to repair or rebuild damaged property to meet current Jersey Mike's standards, even if those standards are more expensive than what was originally in place.
Franchise Upgrade coverage may help pay certain additional costs required to bring damaged property up to current franchise standards after a covered loss.
This can be especially important for leased locations, tenant improvements, equipment, finishes, signage, and other property tied to the franchise model.
Business Income for Essential Personnel
A Jersey Mike's store may depend heavily on key managers or essential employees. If an essential person is suddenly unable to work because of a covered event, the store may experience reduced sales, higher overtime costs, training costs, or operational disruption.
Business Income for Essential Personnel coverage may help address certain lost income and extra expenses when business operations are affected by the sudden or unexpected absence of an essential employee.
Coverage depends on the policy, the cause of the absence, and the specific terms of the endorsement.
Insurance for Multi-Location Jersey Mike's Franchisees
If you own multiple Jersey Mike's stores, your insurance program needs to stay organized as the business grows. New stores, acquisitions, remodels, lease changes, payroll changes, ownership changes, and claim activity can all affect your policies.
A multi-location franchisee may need to review:
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Whether all entities and locations are correctly listed
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Whether property values reflect current buildout and equipment costs
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Whether business income coverage reflects store revenue
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Whether workers' compensation payroll is assigned correctly
- Whether EPLI applies across locations and management teams
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Whether hired and non-owned auto exposure is addressed
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Whether umbrella limits are adequate across the full operation
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Whether certificates are current for landlords, lenders, vendors, and franchise requirements
Concklin helps you keep your insurance program aligned as stores are added, remodeled, acquired, or reorganized.
Why Jersey Mike's Franchisees Work With Concklin
Preferred Insurance Vendor
Concklin is a Preferred Insurance Vendor for Jersey Mike's franchisees and understands the program requirements you need to meet.
Jersey Mike's Program Knowledge
Our team works with Jersey Mike's franchisees across the United States and helps you manage insurance for new stores, existing locations, acquisitions, remodels, and multi-location growth.
Support for New Stores and Multi-Location Growth
Opening or acquiring another store can affect property values, leases, certificates, business income, payroll, EPLI, umbrella limits, and policy schedules. Concklin helps you keep those details organized as your business changes.
Help With Renewals, Certificates, and Claims
Concklin helps with renewals, certificates, policy updates, and claims questions. When claims happen, we help clients communicate with the carrier, work through coverage questions, and use risk management guidance to reduce future issues.
Frequently Asked Questions
Can Concklin help me meet Jersey Mike's insurance requirements?
Yes. Concklin is a Preferred Insurance Vendor for Jersey Mike's franchisees and understands the insurance requirements you need to meet. We help place coverage aligned with those requirements and assist with proof of insurance, renewals, certificates, and updates when stores, entities, leases, or operations change.
What insurance does a Jersey Mike's franchisee need?
A Jersey Mike's franchisee may need general liability, commercial property, business income, extra expense, workers' compensation, EPLI, hired and non-owned auto, cyber, crime, employee dishonesty, umbrella or excess liability, and other coverages depending on the store, lease, payroll, ownership structure, and program requirements.
What is Deli Stretch coverage?
Deli Stretch is a coverage package from The Hartford that may be available to eligible Jersey Mike's franchisees. It can include features such as hired and non-owned auto, temperature change coverage, outdoor signs, business income for off-premises utility services, employee dishonesty, and accounts receivable coverage.
What is Franchise Upgrade coverage?
Franchise Upgrade coverage may help pay certain additional costs required to repair or rebuild damaged property to current Jersey Mike's standards after a covered loss. This can be important for leased locations, tenant improvements, equipment, finishes, signage, and other property tied to the franchise model.
Can Concklin help with insurance for multiple Jersey Mike's locations?
Yes. Concklin helps multi-location franchisees coordinate insurance across stores, entities, payroll, leases, certificates, claims, and program requirements. This can be especially helpful when opening new locations, acquiring existing stores, or reorganizing ownership entities.
Can Concklin help insure restaurant locations that are not Jersey Mike’s?
Yes. Concklin works with a wide range of quick service, fast-casual, and other restaurant businesses. If you own additional restaurant locations outside of Jersey Mike's, we can help review those operations and build coverage around their specific property, liability, employee, and business income exposures.
Why does business income coverage matter for a Jersey Mike's store?
A covered property loss can force a store to close or reduce operations. Business income coverage can help replace lost income during the shutdown, while extra expense coverage can help pay certain costs needed to continue operations or reopen faster.
What is Business Income for Essential Personnel?
Business Income for Essential Personnel may help when a key manager or essential employee is suddenly unable to work because of a covered event and the store loses income or incurs extra expenses as a result. The exact coverage depends on the policy and endorsement wording.
Do Jersey Mike's franchisees need hired and non-owned auto coverage?
Hired and non-owned auto should be reviewed if employees use personal vehicles for business purposes, such as supply runs, bank deposits, errands, catering, or other work-related trips. Some stores may also work with third-party delivery platforms, which can create coverage questions even when the driver is not your employee.
How do I start a Jersey Mike's insurance quote?
You can start by contacting a Jersey Mike's Insurance Specialist or beginning the quote process online. You may be asked to complete a worksheet with store locations, ownership entities, current policies, payroll, employee counts, lease details, business income information, loss history, vehicle use, certificates, and any contract requirements that need to be satisfied.
Talk to one of our Jersey Mike's Specialists
Insurance Insights and Risk Management Guidance
Our blog articles help you stay informed and make more confident insurance decisions.
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 can serve as trusted advisors before and after coverage is bound. If a claim occurs, we can help you understand the process, communicate with the carrier, and gather information needed for the claim. 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 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.
Start a Jersey Mike's Insurance Quote
Concklin Insurance Agency can help you review your current insurance program, start a quote, and keep your policies aligned with your Jersey Mike's stores, leases, employees, buildouts, business income exposure, catering, and program requirements.