Managing franchise risk is key in today’s quick-to-sue culture. Problems with customers and employees are not uncommon and can result in claimed damages and injuries for which the franchisee is often blamed. Lawsuits that follow can take years to resolve, [...]
Some risk is normal when you’re a business owner. The challenge is what to do about it. Fully assessing what your risks are, what aspects of your business could be affected and what to do about each exposure can be [...]
It’s rare in this day and age to have your call answered by a real person, even more so if they’re knowledgeable about your industry risks and have real solutions that make a difference for your business. But that’s what [...]
Cyber insurance has come a long way since the first coverages were added to other policy forms in the 1990s. Traditionally, cyber coverages were only considered necessary in the technology industry — or for those providing technology-related professional services. In [...]
Storms, floods and hurricanes are common summer weather events that pose a serious threat to your Smoothie King franchise business. Commercial damage alone totals about $9 billion a year. The risks are heightened if your business is in an area prone to [...]
Exposure to even a small amount of water can quickly result in damage to your franchise’s property. For insurers, water damage is one of the most common types of property claims, initiating somewhere between 15% and 50% of commercial property [...]
Originally published September 28, 2021. Last updated July 30, 2024. Have a question about your insurance? You’re not alone. Choosing the right insurance for your business is one of the most important decisions you’ll make for it. Business coverage options [...]
Employment practices refers to the part of your business that deals with hiring, firing and everyday workplace interactions. Employment practices liability claims alleging workplace discrimination or sexual harassment are increasingly common. To protect your franchise, it's important to understand the [...]
If your small business operations were interrupted, would you be able to bounce back right away? For 9 out of 10 small businesses, the answer is no. According to FEMA, being forced to close for just five days can cause [...]
Business insurance may seem cut and dry, so why the variance in rates from provider to provider? There are many factors that contribute to insurance rates, including coverage and limit options, claim frequency and more. Factors that Cause Business Insurance [...]
LOCKTON AFFINITY, LLC.
10895 Lowell Avenue, Suite 300 | Overland Park, KS 66210
(866)-222-2649 | [email protected]
MAILING ADDRESS: PO Box 410679 | Kansas City, MO 64141
The Smoothie King Franchisee Insurance Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage is subject to actual policy terms and conditions. Policy benefits are the sole responsibility of the issuing insurance company. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/Surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency. Smoothie King will receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law.
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