Papa Johns Franchisee Insurance

Insurance Coverage You Can Count On

Our Insurance program for Papa Johns Franchisees complies with corporate insurance requirements

• General Liability: $1,000,000 per occurrence, $2,000,000 aggregate.
• Hired and Non Owned Auto (Delivery Coverage): $1,000,000 each - single limit per accident
• Workers Compensation: $100,000 each accident, $100,000 each EE or $500,000 disease 
• Excess Umbrella Liability: $1,000,000 each over General Liability, Workers' Compensation, and Hired and Non Owned Auto
• Business Personal Property
• Betterments and Improvements (Build Out)
• Employment Practices Liability
• Cyber Liability
• Group Health Programs
• Key Person Life Insurance for Business Partners
• Building Ownership Coverage

Michael Mormando

@Michael Mormando 

Agent/Producer
See My Bio

Michael O'Donnell

@Micheal O'Donnell

Agent/Producer
See My Bio

Family Owned Small Business

We understand small business because we are one. Concklin Insurance Agency was started by Craig Concklin and his father, Tom Concklin in 1981.  We continue to be a family owned, small business to this day.

Independent Insurance Agents

Concklin Insurance Agency has relationships with over 30 insurance carriers.  This means we have options to make sure you have the coverage you need, at the best value - uninterrupted.

Value Added Services

We offer a wide range of value added services including our Client Resource Portal and comprehensive Training and Learning Solutions Portal.

Community Involvement

We understand the importance of community. Which is why we participate in fund raisers, and donate directly to local and national nonprofits.  

Client Advocacy

As Trusted Insurance Advisors we are your advocate for all things insurance. We are here to talk about ways to mitigate your losses, provide insights into the insurance market and trends, and ,should a claim occur, we are in your corner every step of the way.

Referral Program

At the end of every quarter we donate $20 for each referral we receive. If you'd like to learn more about our referral program, or send us a referral - click here.

What Insurance Companies do you work with?

We work with over 35 Insurance Carriers including The Hartford, Guard, and Illinois Casualty

What other Franchises do you work with?

We have developed insurance programs for a variety of franchises, including: Domino's, Jersey Mike's, Del Taco, Dunkin', Blackjacks, Jimmy Johns, Burger King, and more!

How long have you been insuring Franchisees?

Our experience insurance franchisees dates back to 1983 when we wrote our first Domino's Franchise.  We've been offering uninterrupted coverage in the fast-casual franchisee marketplace ever since.

We’ve partnered with a reputable company called Zywave to provide this portal. All the content is written by their team of experienced attorneys and professional writers, so you never have to worry about validating information again. Get to know some of the areas of your portal and how its resources can make your day easier. Receive emails announcing new content tailored to your industry, state and preferences as often as you like. And if you have any questions—at any time—feel free to contact your Concklin Insurance Agency representative.

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.

What is an Experience Modifier and how does knowing yours help?
When it comes to Worker’s Compensation polices many business owners only look at one number – the premium quoted. Yet taking a deeper look into how your premium is calculated can provide valuable insights on ways to lower your premium in the future.
Here is a simplified view of how workers’ compensation insurance premium is calculated
Workers’ Class Code Rate X Experience Modifier X (Payroll/$100) = Premium*
Parts of this formula are beyond your control but there are steps you can take to improve your Experience Modifier.