Most franchisors set EPLI minimums based on what their attorney drafted into the FDD five years ago and what the brand next door is requiring. That's not a risk strategy. That's cargo-cult compliance — performing the motions without understanding the mechanics beneath them. The child education franchise space sits at the intersection of every factor that makes employment practice liability expensive: a workforce that is over 90% female in early childhood settings, mandatory reporter...

Are you buying insurance to protect children — or to signal that you are? That is not a rhetorical question. It is the operational question sitting underneath every flat SAM mandate in the child education franchise sector right now. Because if the honest answer is "we raised the limit so our FDD looks defensible," you have not transferred risk. You have moved a number on a declarations page while leaving the actual exposure completely intact. Here is what the empirical record shows: the...

Why are you paying for a big umbrella policy if it won’t pay a dime when a client’s skin is burned during a chemical peel? Most salon owners think of insurance like a shield that gets bigger as you pay more. They assume General Liability is the small shield and the Umbrella is the giant one that covers everything else. This "auto-magical" thinking is dangerous for your business. You buy an umbrella to protect against a "slip and fall" in your lobby, but it usually ignores the actual work you...