RB
RESIBRANDS
3 brands · Residential home service franchise family
RESIBRANDS
FRANCHISE
INSURANCE
ResiBrands operates on a straightforward premise: residential specialist work done well, at scale. Garage Up installs garage storage and organization systems. Pink's Window Services cleans windows at homes across a territory. That 1 Painter paints interiors and exteriors at residential addresses. Three brands, three trades, one customer base — homeowners.
The insurance problem for residential specialist franchises is not complexity. It is diffusion. Every completed job is a completed operations entry. A residential painting franchise completing 40 jobs per month is accumulating 40 individual addresses where the work lives on after the crew leaves. A window cleaning franchise working a recurring customer base has crews inside and around homes at dozens of locations every week. A garage storage installer has modified structural surfaces at every address on the job log.
Most franchisees in this category are not thinking about completed operations as a portfolio of ongoing exposures. They are thinking about the job in front of them. The insurance program that protects the job in front of them is easy. The program that protects the tail risk across two years of prior residential jobs is the one most ResiBrands franchisees have not had a conversation about.
Here is what ResiBrands' franchise agreements require. And here is where that requirement ends before your real exposure begins.
WHAT RESIBRANDS BRANDS SHARE
Across all brands — verify specifics per FDD
General Liability
$1M per occurrence / $2M aggregate
Commercial Auto
$1M Combined Single Limit
Workers Compensation
Statutory Limits
Employers Liability
$1M / $1M / $1M
Completed Operations
Required Across All Brands
Additional Insured
Must Match Brand Entity
Verify per brand: Pink's Window Services requires Pink's Franchising LLC. That 1 Painter requires That 1 Painter Franchising LLC. Garage Up entity confirmation is pending FDD extraction and should be verified from the executed franchise agreement.
3
TOTAL BRANDS IN RESIBRANDS PORTFOLIO
3
HOME SERVICE BRANDS IN SCOPE
3
BRAND GUIDES IN DEVELOPMENT
$1M / $2M
STANDARD GL FLOOR ACROSS ACTIVE BRANDS
Completed Ops
CORE EXPOSURE ACROSS ALL BRANDS
ABOUT THIS FRANCHISE FAMILY
3 BRANDS. ONE CUSTOMER BASE.
THREE DIFFERENT EXPOSURE PROFILES.
What ResiBrands requires of its franchisees
General liability at $1 million per occurrence and $2 million aggregate is confirmed for ResiBrands' active brands with completed FDD extractions. Pink's Window Services operates under Pink's Franchising LLC — a Texas limited liability company. That 1 Painter operates under That 1 Painter Franchising LLC — also a Texas LLC. Both entities are confirmed from 2025 FDD extractions.
FDD extraction for Garage Up is pending. Entity name and specific requirements for Garage Up reflect Rikor's benchmark for residential storage and organization installation — GL at $1 million per occurrence and $2 million aggregate, commercial auto at $1 million, WC at statutory limits, employers' liability at $1 million across all three sub-limits — until the confirmed extraction is available.
Workers' compensation at statutory limits applies to all three ResiBrands franchises. 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 brand operating service vehicles.
"ResiBrands" as a family name does not function as an additional insured on any certificate. Pink's Window Services requires Pink's Franchising LLC on the certificate. That 1 Painter requires That 1 Painter Franchising LLC. Confirm the Garage Up entity from your signed franchise agreement before any COI is issued. The entity names matter. The names are not interchangeable across the family.
How ResiBrands insurance requirements vary by brand
The completed operations profile is the defining difference between That 1 Painter and Garage Up on one side and Pink's Window Services on the other. Painting and garage installation both modify surfaces in a home. Exterior paint that peels, blisters, or fails to adhere properly is a property damage claim that arrives one to three years after the work was done. Interior paint over a surface that was not properly prepared — one that traps moisture or leads to adhesion failure — is a completed operations claim that the homeowner may not discover for months. Garage storage systems mounted to walls and ceilings create structural completed operations exposure at every address where a job was completed.
Pink's Window Services, as a cleaning operation, has a different exposure profile. The per-job severity is lower. Window cleaning does not modify the structure. But the frequency of operations at residential addresses means accumulated GL exposure across a busy route — a ladder against a window frame, a cleaning solution on a painted surface, a screen removed and improperly replaced. The claim events are different in character from a painting or installation business, and the policy should reflect that.
What ResiBrands franchisees get wrong about insurance
The completed operations volume problem is the error that defines this family. Every residential job is an ongoing liability entry. A That 1 Painter franchise that completes 40 exterior paint jobs per year has 40 properties where a completed operations claim can originate — and each one has a tail that runs two to four years depending on the nature of the work and the rate of surface degradation. Most franchisees in this category think about insurance in terms of active jobs. The insurance conversation that matters is about the portfolio of prior jobs, the rate at which that portfolio grows, and whether the completed operations aggregate is adequate to handle a year in which multiple prior jobs produce claims.
The entity name error is the same as every multi-brand family — Pink's Franchising LLC is not an obvious name for a window cleaning franchise, and That 1 Painter Franchising LLC is specific enough that any variation in spelling or structure creates a non-compliant certificate. The franchise agreement is the authoritative source. The entity name on the certificate must match it exactly.
The ladder and fall exposure for Pink's Window Services is often unaddressed in standard GL programs. Window cleaning crews work at height on residential ladders and extension equipment. A ladder fall on a customer's property is a workers' compensation event and a general liability event simultaneously. The GL program needs to address third-party property damage from ladder contact with structures, and the WC program needs to address the actual height work being done, classified correctly.
What does ResiBrands franchise insurance cost?
That 1 Painter at single-territory startup: $3,500 to $7,000 annually. The painting trade carries moderate per-job severity and recurring completed operations exposure. Premium grows with job volume. A franchise completing 300 or more jobs per year will see audited GL premiums reflect a revenue base meaningfully above the Item 7 estimate.
Pink's Window Services at single-territory startup: $2,800 to $5,500 annually. Window cleaning carries lower per-event severity than painting or installation, but height work and commercial route volume keep the program above the minimum threshold.
Garage Up (pending FDD) at single-territory startup benchmark for residential storage installation: $3,200 to $6,500 annually. Installation work carries completed operations exposure that service brands do not. A separate completed operations sub-limit endorsement adds $900 to $1,500 at renewal for franchisees who add it.
FDD Item 7 estimates reflect first-year minimum operations. Expect a 20 to 35 percent gap between FDD figures and actual program cost as audited lines settle at year end.
Claim Scenario: Completed operations — residential painting
A That 1 Painter franchisee completed an exterior repaint on a 3,200-square-foot residential home. The project was a three-day job, full exterior, and the customer signed off at completion. Nineteen months later, the customer filed a claim for exterior paint failure across the entire south-facing side of the house — bubbling, cracking, and loss of adhesion across approximately 800 square feet of surface. An investigation identified improper surface prep on that side as the cause. The failed paint had allowed moisture intrusion into the siding underneath.
The repair cost: $22,000 in siding remediation and full repaint on the affected surface. The claim was a completed operations event — the work was done, accepted, and paid for. The liability arrived 19 months later. The franchisee's GL policy carried completed operations coverage within the general aggregate. No separate sub-limit existed. The $22,000 claim settled and consumed $22,000 of the $2 million general aggregate for that policy year. A franchisee completing 30 or more exterior repaint jobs per season accumulates completed operations exposure at a rate that makes a separate sub-limit worth the endorsement cost. That endorsement — approximately $1,100 at renewal — was not on the policy.
TRADE CATEGORIES IN THIS FAMILY
Painting
1 Brand
Window Cleaning / Exterior
1 Brand
Garage Organization
1 Brand
ALL BRANDS GUIDES
FIND YOUR BRAND'S
INSURANCE REQUIREMENTS
Live guides are built from the actual FDD — exact entity names, exact limits, real claim scenarios. In-development guides show the brand is in our queue.
FREQUENTLY ASKED
QUESTIONS ABOUT
RESIBRANDS
DOES RESIBRANDS HAVE A STANDARD INSURANCE REQUIREMENT ACROSS ALL ITS BRANDS?
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General liability at $1 million per occurrence and $2 million aggregate is confirmed for Pink's Window Services and That 1 Painter. Garage Up is pending extraction. Commercial auto, WC, and employers' liability follow consistent benchmarks across all three brands. Beyond the GL floor, trade endorsements and completed operations structure vary by brand.
WHO IS THE ADDITIONAL INSURED ON A RESIBRANDS FRANCHISE AGREEMENT?
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Pink's Window Services requires Pink's Franchising LLC on the certificate. That 1 Painter requires That 1 Painter Franchising LLC. The Garage Up entity is pending FDD extraction — verify from your signed franchise agreement. "ResiBrands" is not the additional insured entity for any brand.
DOES A HIGH-VOLUME RESIDENTIAL PAINTING FRANCHISE NEED A SEPARATE COMPLETED OPERATIONS SUB-LIMIT?
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It depends on job volume and job value. A franchise completing more than 20 to 25 exterior painting jobs per season is building a completed operations portfolio that can generate multiple claims in a single policy year. When those claims share a general aggregate with all other GL events, aggregate depletion becomes a real risk. A separate completed operations sub-limit — costing approximately $1,000 to $1,500 at renewal — is worth reviewing for any ResiBrands painting franchise in a second year of operations or beyond.
WHAT WC CLASSIFICATION DOES WINDOW CLEANING USE?
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Window cleaning crews performing work at residential heights classify differently from ground-level service workers. The correct classification matters at year-end audit. Confirm with your Rikor coverage advisor that your WC class code reflects the actual height work your crews are performing.
WHAT DOES GARAGE UP NEED BEYOND STANDARD GL?
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Installation work that modifies a garage's structural surfaces — wall mounts, ceiling storage, floor coatings — requires completed operations coverage that addresses the post-installation period. A standard GL policy carries this coverage, but the aggregate structure should be reviewed if job volume is high. Confirm the Garage Up FDD entity from your signed agreement before your first COI is issued.
WHAT IS THE DIFFERENCE BETWEEN WHAT RESIBRANDS REQUIRES AND WHAT I ACTUALLY NEED?
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The FDD floor protects the franchisor. The completed operations coverage that protects your investment reflects how many jobs you've done and how many addresses have active tail risk on them at any given time. For high-volume residential franchises, that portfolio grows with every job. The coverage conversation should grow with it.
WHAT TO VERIFY BEFORE YOUR RESIBRANDS COVERAGE IS FINAL
Before any ResiBrands certificate is issued or operations begin, verify six things. First, confirm the exact legal entity for your brand — Pink's Franchising LLC or That 1 Painter Franchising LLC for confirmed brands; verify from your signed agreement for Garage Up. Second, check your completed operations coverage structure — whether it sits in the general aggregate or carries a separate sub-limit — and match that to your current and projected job volume. Third, verify that your WC class code reflects your actual operations — height work classifies differently from ground-level service work. Fourth, check your commercial auto schedule to confirm every vehicle used in the operation is listed. Fifth, for installation brands (Garage Up), confirm that completed operations coverage addresses post-installation structural modifications. Sixth, set your Item 7 estimate beside your actual quote and account for the gap in your operating budget.
If any of those items surface a question, the answer is in the brand article for your specific ResiBrands franchise, linked above.
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.