A franchisee's 1099 subcontractor can wreck a job or get hurt with no insurance, and the bill climbs to the franchisee and the brand. How franchisors stop it.
Why are you paying for insurance you know won't pay out? Most franchise owners treat insurance as a binary compliance checkbox—a necessary evil to sign so they can get their keys and open for business. This "path of least resistance" creates a dangerous friction between paper compliance and actual risk financing. You are likely paying 100% of your premium for a product that provides 0% of the protection because the foundation of your policy was built on a fundamental misunder
