PAINTING · FULL-SERVICE · 360 · PAINTING, LLC
360° Painting
FRANCHISE
INSURANCE
Your 360° Painting franchise agreement lists the policies you must carry. One line on that list is umbrella liability insurance. The limit is not on the page.
The franchise agreement points you to the Brand Standards Manual for the actual number. So a franchisee can file a certificate, satisfy the franchisor, and still be carrying an umbrella amount they never chose.
An umbrella policy is the layer of coverage that sits on top of your other policies. It pays when one large claim blows past the limit on your general liability, auto, or worker injury coverage.
For a painting crew on ladders, scaffolds, and second-story exteriors, that is the layer that matters most. A single fall claim can run past a basic limit fast.
That is the gap nobody walks you through at signing. This page covers what 360° Painting requires, where the requirement stops, and what protects the business you built.
360 Painting, LLC
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FDD COMPLIANCE REQUIREMENTS
FIRE FROM WIRING — IS IT COVERED?
PRE-EXISTING PANEL DISPUTES
WORKERS' COMP & AUDIT
COMMERCIAL ELECTRICAL WORK
PREMIUM CALCULATION
BEYOND THE MINIMUM
FAQs
ON THIS PAGE
FDD COMPLIANCE REQUIREMENTS
FIRE FROM WIRING — IS IT COVERED?
PRE-EXISTING PANEL DISPUTES
WORKERS' COMP & AUDIT
COMMERCIAL ELECTRICAL WORK
PREMIUM CALCULATION
BEYOND THE MINIMUM
FAQs
SIX-POINT CHECKLIST
SUBCONTRACTOR CERTIFICATE COMPLIANCE FOR YOUR FRANCHISE
FRANCHISEE QUESTIONS
FREQUENTLY ASKED QUESTIONS
F
SUBCONTRACTOR RISK
Dynamic Title
Rikor's subcontractor compliance monitoring tool tracks subcontractor certificates in real time. When a certificate lapses, you know before the next job starts — not after the claim comes in.
WADE MILLWARD, CIC
Founder & CEO · Rikor Insurance
Wade Millward has spent 18 years specializing in franchise insurance. He holds the Certified Insurance Counselor (CIC) designation and has reviewed hundreds of franchise disclosure documents across home service, food service, and commercial franchise verticals. He has built coverage programs for Authority Brands franchisees across electrical, HVAC, plumbing, and restoration trades.