The Illusion of the "Insurance Program": What Franchisors Often Get Wrong (And How to Get It Right)

As a franchisor, you're building a brand, growing a network, and empowering entrepreneurs. You pour countless hours into perfecting your operations and supporting your franchisees, ensuring every facet of their business journey is set up for success. Naturally, this includes navigating the complex world of business insurance.

At Rikor, we speak with franchisors daily about setting up an "insurance program" for their franchisees. It makes perfect sense why. In nearly every other area of your business – from supplier agreements to marketing initiatives – collective buying power leads to better deals. So, the logical assumption is that insurance should be no different. You want the best for your franchisees: comprehensive coverage, competitive rates, and a streamlined path to compliance. You want to simplify their lives and protect their investment, just as you protect your own.

But here’s the truth that often surprises even the most seasoned franchisors: what you think an "insurance program" entails, and what's truly effective and sustainable in commercial insurance, are often two very different things. The reality is, the traditional idea of a single, volume-discounted insurance program for an entire franchise system is largely an illusion – one that can lead to more frustration than benefit.

In this article, we'll unpack why the conventional wisdom about franchise insurance programs often misses the mark, expose the pitfalls of chasing unfeasible solutions, and reveal a far more strategic and effective path to securing optimal insurance for your entire franchise network. Let's start by cutting straight to what you need to know.

Key Takeaways

• Volume Discounts Rarely Apply to Franchise Insurance: Unlike other supplier relationships, insurance carriers rarely offer significant, system-wide rate deviations for franchisors based purely on franchisee volume. Regulatory hurdles and the effort required make it impractical for most carriers.

  
  

• Franchisors are Unintentionally Burdened: Many franchisors feel compelled to ensure their franchisees have the right coverage, meet FDD requirements, and secure competitive rates. This often leads to an inefficient and challenging process when attempted at scale without the right strategy.

  
  

• True "Programs" Often Disappoint: Traditional "programs" with a single carrier can become restrictive, lead to rate creep, and make it incredibly difficult to transition franchisees to new carriers after a few years, leaving both franchisor and franchisee frustrated.

  
  

• Brand Presentation is Key: The most effective strategy for franchisors is to proactively present their entire brand – not just individual franchisees – to the broader insurance market. This attracts carrier interest and leads to better products and rates.

  
  

• Rikor's Franchise Marketplace Offers a Solution: Rikor helps franchisors position their brand directly to interested insurance carriers, ensuring franchisees get access to the best coverage and competitive pricing without the pitfalls of traditional "programs" or the burden of shopping multiple brokers.

Insurance Programs for Franchisees – Explained Simply

As a franchisor, you're deeply invested in your franchisees' success. You've built a system, a brand, and a vision, aiming to ensure every new location is set up for success, protected, and compliant. This naturally extends to insurance. It doesn’t. When it comes to insurance, the more the marrier. You want carriers actively competing for your business  You don’t want to sign anything with a carrier suggesting you will participate in a self-limiting program. At Rikor, we constantly speak with franchisors looking for an "insurance program" for their franchisees. It makes perfect sense why. In almost every other aspect of your business – from supplies to marketing services – your collective buying power as a franchise system translates into better rates or exclusive benefits. So franchisors mistake sending all their volume to a single carrier in exchange for lower rates. So, assuming the same applies to insurance is a logical leap.

However, this is where the misconception lies, and understanding this distinction is critical to navigating commercial insurance for your franchise system.

A franchisor-led "insurance program" aims to centralize or standardize the insurance purchasing process for all franchisees. This often conjures an image of a single, preferred carrier offering a special, discounted rate, simplifying franchisees' lives and ensuring consistent coverage. The idea is to replicate the success seen with other suppliers – bulk purchasing, reduced costs, and streamlined operations.

But here’s how it works (or often doesn't) in the insurance world: Insurance agencies like Rikor are not the carriers. We are independent brokers, connecting businesses with coverage from various carriers. We don't control carriers' decisions on rates or program offerings.

For an insurance carrier to offer a deviated, system-wide rate – a "program" discount – it's a massive undertaking. It involves significant actuarial analysis, extensive and expensive rate filings in each state, and a commitment of substantial internal resources. Carriers are simply not inclined to do this unless the potential premium volume from the franchise system is in the tens or even hundreds of millions of dollars annually. Even then, it’s a long, arduous process, sometimes taking years.

This matters now because franchisor demand for these "programs" is high, while understanding of their true feasibility is low. This leads to wasted time, frustration, and failure to secure the best long-term insurance solutions for your brand and your franchisees. The traditional pursuit of a "program" can inadvertently lead franchisors down a path that offers more headaches than genuine benefits, ultimately failing to deliver on the promise of better coverage at competitive prices.

Why Some People Are Concerned or Misunderstand This

The desire for a universal insurance program for franchisees is rooted in sound business logic. Yet, several distinct reasons explain why this aspiration often faces pushback or is fundamentally misunderstood in commercial insurance.

The Myth of Volume Discounts in Insurance

The most significant misconception stems from assuming insurance operates like other bulk procurement. When you buy raw materials or secure a national deal for marketing services, your aggregated volume grants significant negotiating power. Suppliers eagerly offer discounts for guaranteed volume.

Insurance, however, doesn't quite work this way. While volume can be a factor, it's rarely the primary driver for rate deviations at the carrier level for franchise systems, especially those not generating millions in premium. Insurance pricing is incredibly complex, based on actuarial science, risk assessment, historical loss data, and regulatory filings in each state.

For a carrier to offer a "volume discount" to a franchise system, they would need to:

• Re-file Rates in Every State: A costly and time-consuming regulatory process. Each state's Department of Insurance must approve specific rates. Deviating from these approved rates for a "program" requires immense justification and bureaucratic navigation.

  
  

• Underwrite the Entire System: They must understand the risk profile of every franchisee, individually and collectively. This demands significant upfront investment from the carrier.

  
  

• Commit Long-Term Resources: A "program" means dedicating specific underwriting teams, claims adjusters, and customer service personnel to that franchise system – a commitment most carriers hesitate to make without truly exceptional premium volume.

  
  

Unless your franchise system generates tens of millions in annual premium, the effort and cost for a carrier to establish a truly bespoke "program" with significant rate deviations simply doesn't justify the return on investment for them.

The Challenge of Franchisee Choice and Autonomy

Even if a carrier were willing to offer a deeply discounted program, a fundamental hurdle exists: getting all your franchisees to participate. Franchisees are independent business owners. While bound by the Franchise Disclosure Document (FDD) for operational standards and minimum insurance requirements, they generally retain the right to choose their insurance provider as long as those requirements are met.

• Existing Relationships: Many franchisees have established relationships with local brokers or carriers, often preferring to continue for convenience or to bundle policies.

  
  

• Varying Needs: While your core business model is consistent, individual franchisees may have slightly different exposures based on location, specific services, local regulations, or even their personal risk appetite. A "one-size-fits-all" program might not perfectly fit everyone, leading to dissatisfaction or coverage gaps.

  
  

• Perception of Control: Some franchisees may resist mandated insurance providers as an infringement on their autonomy, even if presented as beneficial, creating friction.

  
  

Unless there's a unique or specialized risk that only one carrier can effectively cover (which is rare), forcing franchisees into a single insurance solution is extremely challenging and often counterproductive.

The Regulatory and Legal Maze

Insurance is heavily regulated at the state level. Every state has specific requirements for licensing, rate filings, policy forms, and consumer protection. A "national program" isn't a single, uniform entity; it's a complex patchwork of state-specific policies and regulations.

• Compliance Burden: Managing compliance for a single program across 50 states is an administrative nightmare for a carrier. They must ensure every policy adheres to local laws, which often vary significantly.

  
  

• FDD Requirements: While the FDD outlines minimum insurance requirements, it typically doesn't mandate where a franchisee must purchase insurance. Any attempt to strictly enforce a single vendor might raise legal questions if not carefully structured and justified.

  
  

• Captive/Master Policy Complexity: More integrated insurance structures like captives or master policies (discussed in FAQs) come with their own layers of complex regulatory and capital requirements, making them impractical for most franchise systems.

The sheer regulatory overhead makes universal "programs" less attractive for carriers, and the legal implications for franchisors attempting to mandate such programs can be significant.

The Problem of "Rate Creep" and Stagnation

Even if a traditional "program" is established with a single carrier, it often comes with a hidden downside: rate creep and lack of long-term competitiveness. When a single carrier has an exclusive "in" with a franchise system, the competitive pressure to keep rates low diminishes.

• Lack of Competition: Without other carriers actively bidding for the business, the incumbent can gradually increase rates over a few years, knowing the effort required for a franchisor to switch all franchisees to a new carrier is immense.

  
  

• Product Stagnation: Product offerings may not evolve as quickly, as there's less incentive for innovation without competition. This can leave franchisees with less-than-optimal coverage as their business and the market change

  
  

• Franchisor & Franchisee Frustration: After two or three years of a "program," you'll likely find rates no longer competitive, and the product stale. Then comes the monumental task of convincing all your franchisees to move their insurance again – an extremely difficult process that creates widespread dissatisfaction.

  
  

This cycle of initial promise followed by eventual frustration is a common outcome for franchisors pursuing the traditional "program" model. It's a short-term fix that creates long-term problems.

How to Effectively Navigate Franchisee Insurance

Given the complexities and pitfalls of traditional "insurance programs," how should a franchisor approach providing their franchisees with the best possible insurance product at competitive rates? The answer lies not in forcing a single solution, but in effectively presenting your brand to the insurance marketplace.

At Rikor, we believe the best course of action is to make your franchise brand attractive to as many carriers as possible, allowing for competitive tension and tailored solutions without the baggage of a single-carrier "program." Here’s how to do it:

1. Partner with an Independent Insurance Agency that Understands Franchising

This is your first and most crucial step. You need a partner, like Rikor, that understands the unique dynamics of franchising, FDD requirements, and your business model's specific exposures. Crucially, they must be an independent agency, representing many carriers, not just one. This independence allows them to truly canvas the market on your behalf.

2. Prepare Your Brand Story for the Insurance Market

Insurance carriers are in the business of assessing and pricing risk. To get them interested in offering competitive products to your franchisees, they need to understand your brand's unique story and its commitment to risk management.

• Showcase Your Business Model: Clearly articulate your operations. For example, if you're in home services and operate on a 1099 model (franchisee does sales/marketing, outsources labor to subcontractors), this is critical. While this model can complicate insurance for many carriers (due to concerns about uninsured subcontractors), a good agency can help you tell the story effectively.

  
  

• Highlight Risk Management Protocols: Do you have comprehensive training? Strict vetting processes for subcontractors or employees? Robust safety protocols? Showcase your commitment to minimizing risk within your system. This demonstrates to carriers that your franchisees are a lower-risk proposition.

  
  

• Ensure Your Website is Up-to-Date: Carriers often review your public-facing information. Ensure your website accurately reflects your current products, services, and operational standards. This small effort yields significant returns.

  
  

3. Leverage the Franchise Marketplace (Rikor's Solution)

This is where Rikor’s unique approach comes into play. We’ve developed the Franchise Marketplace specifically to address the insurance challenges franchisors face. Instead of trying to force a single carrier program, we focus on maximizing your brand's exposure to multiple interested carriers.

• Active Brand Presentation: When you partner with Rikor, we proactively present your entire franchise brand to our network of insurance carriers. We "pitch the narrative," explaining your model, your commitment to risk management, and your growth trajectory. This is done internally by our team with minimal effort from you once the initial partnership is established.

  
  

• Carrier Engagement: Carriers within our Marketplace have access to your brand information. They can "save" your brand if interested, updating our system to ensure our team prioritizes those carriers for your franchisees. This creates an active audience of carriers who want to work with your brand.

  
  

• Competitive Tension & Tailored Products: By attracting multiple carriers, we create competitive tension. This encourages them to offer improved products and more competitive rates specifically designed for your franchise system's exposures. This is how franchisees get the best possible coverage at a competitive price – through genuine carrier interest driven by smart brand positioning.

  
  

• Streamlined Process for Franchisees: For your franchisees, this means they aren't left to "shop" their coverage aimlessly. Instead, they work with Rikor, who connects them with carriers already educated about and interested in your brand, streamlining the process and ensuring the right coverage efficiently.

  
  

4. Continuous Optimization, Not Stagnation

Unlike a static "program" that can become outdated, Rikor's approach fosters continuous optimization. As your brand evolves, or as the insurance market shifts, we can continually present your updated brand story to new and existing carriers within our Marketplace, ensuring your franchisees always have access to the most current and competitive options. This avoids "rate creep" and the painful process of trying to move an entire system off an entrenched single-carrier program.

Benefits of Embracing or Leveraging This Approach

Shifting your perspective from seeking a restrictive "program" to proactively presenting your brand to the broader insurance market offers significant strategic and real-world upsides for both you, the franchisor, and your franchisees.

Enhanced Coverage and Competitive Rates for Franchisees

This is the most direct and tangible benefit. When your brand is actively presented and understood by multiple insurance carriers, it creates a healthy competitive environment.

• Tailored Solutions: Carriers who understand your specific business model are far more likely to offer policies with coverage terms that precisely fit your franchisees' exposures, rather than generic policies that may leave gaps.

  
  

• Real Competition Drives Down Rates: When several carriers vie for business, they are incentivized to offer their most competitive pricing. This isn't an arbitrary "discount" but a reflection of a well-understood and favorably underwritten risk.

  
  

• Reduced "Shopping" Burden: Franchisees often feel they need to "shop" their coverage with multiple brokers to get the best deal. But often, those brokers access the same carriers. The real value comes from a broker who effectively presents the brand to the right carriers, attracting interest and ensuring the best product. Rikor handles this process, alleviating the burden from your franchisees.

  
  

Consider the example of the home service brand we worked with: their 1099 subcontractor model was a major hurdle for many carriers. By allowing Rikor to "pitch the narrative" – explaining their robust risk management – we secured a preferred carrier that many others wouldn't engage with. This ensured their franchisees had a great product at a competitive price, even for a challenging exposure.

Increased Franchisee Satisfaction and Retention

A common franchisee concern is whether they are getting the right insurance at a fair price. When you, as the franchisor, proactively facilitate access to quality, competitively priced insurance solutions, it significantly contributes to franchisee satisfaction.

• Peace of Mind: Franchisees feel assured their unique risk has been presented to many carriers, leading to robust coverage. This peace of mind allows them to focus on growing their business rather than worrying about insurance gaps or overpaying.

  
  

• Demonstrated Value: By proactively addressing a complex operational need, you demonstrate tangible value beyond the initial franchise agreement. This fosters trust and strengthens the franchisor-franchisee relationship.

  
  

• Reduced Friction: Avoiding the frustration of a traditional "program" that eventually sours (due to rate creep or poor service) means less friction and fewer complaints related to insurance, improving overall system morale.

  
  

Streamlined Compliance and Reduced Franchisor Risk

While you don't control the ultimate insurance purchase, you are responsible for ensuring franchisees meet FDD insurance requirements. Our approach helps you achieve this efficiently.

• Consistent Understanding of FDD Needs: By presenting your brand to carriers who then understand your FDD requirements, you enhance the likelihood that franchisees will easily find compliant policies.

  
  

• Reduced Vicarious Liability Concerns: When franchisees have appropriate and comprehensive coverage, it indirectly reduces the franchisor's exposure to vicarious liability claims. If a franchisee is adequately insured, potential claims against the brand stemming from their operations are better managed by the franchisee's carrier.

  
  

• Less Administrative Burden for You: You no longer solve complex insurance problems at scale or field endless questions from franchisees about coverage. Rikor handles the market engagement and guides the franchisees, freeing up your internal resources.

  
  

Future-Proofing Your Insurance Strategy

The insurance landscape, like any market, is dynamic. Carrier appetites change, new risks emerge, and regulations evolve.

• Agility and Adaptability: Unlike being locked into a single carrier program, this approach allows for agility. As your business model evolves or new risks emerge (e.g., cybersecurity), your independent agency partner can re-present your updated brand story to the market, attracting new carrier interest and ensuring continued optimal solutions.

  
  

• Sustainable Growth: This strategy supports scalable growth. As you onboard new franchisees, the established process of presenting your brand to interested carriers ensures that new locations can quickly and efficiently secure appropriate coverage, rather than facing delays or inconsistent options.

  
  

Ultimately, by leveraging Rikor's Franchise Marketplace, you're not just getting insurance for your franchisees; you're adopting a strategic, proactive, and sustainable approach to managing a critical aspect of your franchise system's risk profile and operational efficiency.

Should You Do This? A Self-Assessment for Franchisors

Deciding whether to embrace a proactive, brand-centric approach to franchisee insurance, as opposed to pursuing a traditional "program" or leaving franchisees entirely to their own devices, depends on your priorities, your brand's stage of development, and your commitment to supporting your franchisees. Here's a framework to help you decide:

Consider This Approach If You Are a Franchisor Who:

• Wants the Best for Your Franchisees (Beyond Just "Discounted" Rates): Your primary goal is to ensure your franchisees have access to robust, comprehensive coverage that truly protects their investment and aligns with your FDD requirements, at a competitive market price, rather than chasing an elusive system-wide "discount."

  
  

• Believes in Transparency and Competitive Markets: You understand that true value in insurance comes from open market competition, not from a single, potentially restrictive "program" that can lead to rate creep. You want your franchisees to benefit from carriers actively bidding for their business.

  
  

• Seeks to Streamline Franchisee Onboarding and Support: You want to reduce the burden on your franchisees (and your team) when securing insurance. You're looking for a partner that can efficiently guide franchisees to appropriate coverage without you needing to become an insurance expert yourself.

  
  

• Is Committed to Brand Consistency and Risk Management: You recognize that how your brand manages risk, from operational protocols to website accuracy, impacts how insurance carriers perceive your system. You're willing to ensure your public-facing information accurately reflects your commitment to quality and safety.

  
  

• Wants to Be Proactive, Not Reactive: You'd rather proactively position your brand for favorable insurance relationships than react to individual franchisee insurance challenges, FDD compliance issues, or rising rates within a stagnant "program."

  
  

• Values Long-Term Strategic Partnerships: You see the benefit in partnering with an independent agency that can continuously advocate for your brand in the insurance market, rather than being beholden to a single carrier.

  
  

This Approach Might Not Be for You If You Are a Franchisor Who:

• Doesn't Want to Showcase Your Brand to Multiple Carriers: If you prefer a highly insular approach or believe a single, exclusive relationship is always best, even without true competition, this market-driven strategy won't align.

  
  

• Doesn't Want to Ensure Your Website is Up-to-Date with Current Products and Services: While Rikor requires minimal effort from you, maintaining an accurate and professional online presence is crucial for carriers to assess your brand. If you're unwilling to maintain this basic level of transparency, carriers will be less likely to engage.

  
  

• Isn't Interested in the Right Coverage to Protect Your Brand and Your Franchisees' Investment: If your primary concern is simply finding the absolute lowest premium, regardless of coverage quality or long-term sustainability, this approach, which prioritizes comprehensive coverage at competitive rates, might not be your immediate focus.

• Is Set on a "Forced" Single-Carrier Mandate: If your ultimate aim is to force all franchisees into a single carrier or program for reasons other than a truly unique and uninsurable risk elsewhere, this approach, which champions choice through competition, won't fit. You can mandate, but only if the vendor offers a unique coverage not available in the normal market. Otherwise, we believe it's best to leverage an independent insurance agency that can represent your brand well to multiple carriers.

  
  

• Prefers Complete Hands-Off Management of Franchisee Insurance: This approach involves a strategic partnership focused on ensuring your franchisees are well-served. If you prefer to have absolutely no involvement or oversight in your franchisees' insurance journey, this might not align.

  
  

Ultimately, for most growth-oriented franchisors who genuinely care about the well-being and long-term success of their franchisees, the benefits of a strategic, market-driven approach to insurance far outweigh the perceived simplicity of a traditional (and often elusive) "program." It's about smart positioning, leveraging expertise, and fostering a truly competitive environment for your franchisees' benefit.

FAQs

Why can't we just get a volume discount like with other suppliers?

This is a common and understandable question. The core difference lies in how insurance carriers price risk versus product suppliers. For other suppliers, volume means lower production costs or increased market share, allowing for direct discounts. Insurance, however, is about assessing and pricing risk. Each franchisee represents a distinct risk profile. While large scale can attract interest from carriers, it rarely translates directly into a straightforward percentage-based "volume discount." Carriers face extensive regulatory hurdles (rate filings in each state are slow and expensive) and require significant internal resources to create specific "programs." Unless your system generates millions in premium, the effort for a carrier to offer a deviated rate based purely on volume isn't usually justified.

I was told a captive is ideal for franchising. Is this true?

Captives and Risk Retention Groups (RRGs) allow a franchisor and participating franchisees to essentially form and operate their own insurance company. This offers immense control over coverage terms, underwriting, and risk management. If loss ratios are favorable, profits stay within the group, and policies can be highly tailored to your brand’s unique risks. However, these benefits come with substantial costs and complexity. Setting up a captive or RRG requires significant capital (often hundreds of thousands of dollars), and franchisees must agree to share risk, meaning a large claim could impact everyone. Managing such an entity demands specialized expertise in compliance, reinsurance, and claims. This model is best suited for very large, well-capitalized franchise networks with a long-term view and strong financial performance. For most franchise systems, the capital outlay, shared risk, and ongoing management burden make a captive impractical and not ideal.

What is a master policy, and would it work for us?

A Master Policy centralizes insurance management under one franchisor-controlled policy that covers all franchisees. This model offers the highest control: the franchisor negotiates terms, sets coverage standards, and ensures every location is enrolled and compliant. It can simplify billing and claims handling, ensuring all FDD insurance requirements are met, which can reduce the franchisor's vicarious liability. Bulk purchasing can lead to more favorable terms. However, master policies have significant drawbacks. Shared limits mean a major claim by one franchisee could reduce coverage for others. Customization for individual franchisee needs becomes difficult, creating friction. Start-up costs can be significant, especially if the franchisor needs to pre-fund or backfill coverage gaps. This model is most effective for brands with very uniform, low-risk exposures or where tight compliance control is critical, but it often proves too rigid and costly for diverse franchise systems.

Can we force franchisees to buy insurance from a specific vendor?

You can legally mandate that your franchisees purchase insurance from a specific vendor, but ideally, this should only occur if that vendor or carrier offers truly unique coverage not available in the normal market – something directly addressing an inherent, uninsurable risk specific to your brand. Otherwise, we strongly believe it's in your best interest and your franchisees' best interest to leverage an independent insurance agency that can represent your brand well to multiple carriers. Forcing a single vendor without unique justification removes the competitive element, which can lead to higher rates and less optimal coverage over time, creating resentment and making it difficult to transition to a new solution later.

How does Rikor's approach differ from simply having our franchisees shop for their own insurance?

If franchisees shop for their own insurance, they often approach multiple brokers who largely access the same major carriers. The effectiveness depends on that individual broker's ability to present the franchisee's business (and your brand) compellingly. Rikor's approach is fundamentally different: we proactively position your entire franchise brand to the broader insurance market. We tell your brand's unique story, highlight its risk management efforts, and showcase its growth potential to multiple carriers interested in working with franchise systems. This draws interest and creates a competitive environment before an individual franchisee even needs coverage. For the franchisee, it means they are connected with carriers already educated about and interested in your brand, leading to better-tailored products and more competitive rates from the outset, without arduous "shopping."

What kind of commitment is required from our brand to make this successful with Rikor?

The beauty of Rikor's Franchise Marketplace is its minimal effort for you, the franchisor, once we establish our partnership. Our team handles the heavy lifting of presenting your brand to insurance carriers. Your primary "commitment" beyond the partnership is ensuring your public-facing information, particularly your website, is accurate and up-to-date with your current products and services. Carriers will use this information to assess if they want to engage with your franchise brand. A professional, clear, and current online presence significantly aids in attracting carrier interest and positioning your brand favorably.

Conclusion

The pursuit of a monolithic "insurance program" for franchisees, while well-intentioned, often leads down a path of frustration, limited options, and eventual disappointment. The insurance industry, with its complex regulatory landscape and nuanced risk assessment, doesn't operate like other supplier relationships where pure volume guarantees discounts. Traditional programs, while seemingly convenient, can become restrictive, stifle competition, and lead to rate creep that ultimately dissatisfies both franchisors and their independent franchisees.

Instead of chasing this illusion, the most effective strategy for franchisors is to shift their focus: proactively present your entire brand to the broader insurance market. By clearly articulating your unique business model, demonstrating your commitment to risk management, and allowing an independent agency like Rikor to champion your narrative, you create a genuinely competitive environment. This approach attracts multiple carriers who are eager to provide tailored products and truly competitive rates, not because of a mandated discount, but because they understand and value the risk profile of your system.

This isn't about simply finding the cheapest policy; it's about securing the right coverage that protects your brand, meets FDD requirements, and safeguards your franchisees' investments. By leveraging Rikor's Franchise Marketplace, you empower your franchisees with choice, access to superior products, and competitive pricing, all while streamlining your own oversight and ensuring long-term insurance stability for your growing system. It's a strategic shift that moves beyond the simplistic "program" idea to a more sophisticated, effective, and sustainable approach to franchisee insurance.