HOME FRANCHISE CONCEPTS

What Home Franchise Concepts requires of its franchisees

General liability at $1 million per occurrence and $2 million aggregate is confirmed across HFC brands with completed FDD extractions. Budget Blinds, LLC — a California LLC — and Aussie Pet Mobile, Inc. — a California corporation — are confirmed. PremierGarage and The Tailored Closet both operate under OrganizedSpaces, LLC, also a California LLC. That shared entity means a franchisee holding both PremierGarage and The Tailored Closet names the same entity on certificates for both — OrganizedSpaces, LLC — which is the one place in the HFC portfolio where one legal name satisfies two brands.

FDD extractions are pending or in progress for Bath Tune-Up, Kitchen Tune-Up, Lightspeed Restoration, and Two Maids. Requirements for those brands reflect Rikor's benchmark for their respective trades until confirmed extractions are available.

Workers' compensation follows state statutory limits across all brands. Employers' liability is $1 million per accident, $1 million per employee, $1 million policy limit. Commercial auto at $1 million combined single limit applies to any HFC brand operating service vehicles — which is the core of Aussie Pet Mobile's model and applies to all brands running crews to residential addresses.

Completed operations coverage is required across all HFC brands. For installation and refinishing brands, the question is whether that coverage sits within the general aggregate or carries a separate sub-limit. For Lightspeed Restoration, the completed operations tail for water damage work can run 24 to 36 months from the date of service. For Kitchen Tune-Up and Bath Tune-Up, surface refinishing and installation creates a completed operations exposure at every project address. One entity name does not mean one coverage structure — each brand's trade profile should be reflected in how the policy is built.

Requirements diverge between HFC's installation brands, its restoration brand, and its recurring service brands. Each brand's full requirements are covered in its individual article below.

How Home Franchise Concepts insurance requirements vary by brand

Kitchen Tune-Up and Bath Tune-Up anchor the surface modification side of this family. Both brands bring workers into a home's kitchen or bathroom to refinish, reface, or remodel surfaces the homeowner uses every day. Cabinet refinishing, countertop resurfacing, tub and tile restoration — these modifications create completed operations exposure that is attached to the property at the moment the job is done. A cabinet door that warps, a countertop coating that separates, a bath surround that develops moisture behind the refinished surface — each of these is a completed operations claim with a tail that can run years. The work is presented as a lower-cost alternative to full renovation. The liability profile is not lower.

Lightspeed Restoration operates in the water damage restoration category. This is the trade with the longest completed operations tail in the HFC portfolio. A restored home that develops secondary moisture, mold, or structural issues 18 months after remediation work is a completed operations claim — and restoration claims of this type can reach five figures before legal and remediation costs are added. The additional insured entity, the GL aggregate structure, and the completed operations coverage need to be set up specifically for a restoration operation, not defaulted to a cleaning or installation program.

What Home Franchise Concepts franchisees get wrong about insurance

The completed operations sub-limit gap is the most common structural error for HFC's installation and refinishing brands. Kitchen Tune-Up, Bath Tune-Up, Budget Blinds, PremierGarage, and The Tailored Closet all complete work that modifies a home. Most policies at initial setup include completed operations within the general aggregate — one shared $2 million pool for all GL events. For a franchisee completing dozens of projects per month across multiple years, that pool is depleted faster than most realize. A separate completed operations sub-limit, endorsed onto the policy, costs $1,000 to $1,500 annually and keeps restoration claims from sharing aggregate capacity with active job claims.

The entity name error is particularly easy to make in this family because PremierGarage and The Tailored Closet share an entity — OrganizedSpaces, LLC — while every other HFC brand uses a distinct entity. A franchisee who holds both OrganizedSpaces brands and a third HFC brand (say, Budget Blinds or Two Maids) may assume that one certificate covers the family. It does not. The OrganizedSpaces entity covers two brands. Every other brand requires its own entity. Any certificate that lists the wrong name is non-compliant from the date it is issued.

The employee dishonesty gap affects Two Maids specifically. Recurring cleaning crews entering occupied homes weekly are the primary use case for commercial crime — employee dishonesty coverage. Standard GL and WC policies do not include it. It requires explicit placement. For a Two Maids franchisee running multiple crews on weekly residential schedules, the exposure is real, the premium is low, and the omission is common.

What does Home Franchise Concepts franchise insurance cost?

Kitchen Tune-Up and Bath Tune-Up operate in the kitchen and bath refinishing and remodeling space. Single-territory startup insurance: $3,500 to $7,000 annually. The completed operations exposure — attached to every project at the address level — means renewal costs grow with accumulated job volume.

Budget Blinds at single-territory startup: $3,200 to $6,500 annually. Window treatment installation carries lower per-job severity than kitchen or bath work but creates the same type of completed operations tail at every installation address.

Lightspeed Restoration runs in a higher cost band. Water damage restoration insurance reflects the long completed operations tail and the higher per-job values. Single-territory startup: $6,000 to $11,000 annually.

PremierGarage and The Tailored Closet: $3,000 to $6,800 at startup. Garage flooring and closet installation are moderate-severity installation trades. Completed operations endorsements add $1,000 to $1,500 at renewal.

Two Maids: $2,800 to $5,500. Residential cleaning with lower property damage severity, but recurring access creates the employee dishonesty line. Aussie Pet Mobile: $4,000 to $8,500, dominated by commercial auto for the grooming van.

FDD Item 7 estimates reflect first-year minimums. Expect 20 to 35 percent above those figures once audited lines settle at year end.