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Customized Insurance Solutions for Chick-fil-A Operators

Comprehensive program coverage to protect your growing business.

Commercial Auto Liability

Commercial Auto Liability insurance protects your business against third-party claims for bodily injury and third-party property damage that arise out of auto accidents while operating a vehicle for business use.

Claims from vehicle accidents can generate signifigant damages and awards against businesses. 

This Commercial Auto Liability policy is unique because it provides primary coverage for at-fault auto accidents that occur while a vehicle is being used for Chick-fil-A business. This means that in some locations, the coverage under this policy is intended to respond first, even if other Auto Liability coverage exists. 

Covered vehicles can include the following:

  • Catering delivery vehicles (CDV) and individual delivery vehicles (IDV) leased through approved vendors
  • Operator vehicles owned/leased in their Chick-fil-A entity name
  • Operator personal vehicles
  • Team Member personal vehicles

This policy is not intended to respond to accidents that occur on personal business, even if such an accident occurs during a personal errand while the vehicle is primarily being used for business purposes.

This policy does not provide first-party physical damage coverage for any vehicle being driven on Chick-fil-A business. If such coverage is desired, it should be explored separately.

General Liability

This essential coverage covers your business from claims of bodily injury, personal injury, and property damage caused by business operations, products, or injuries that occur on the business’s premises.

Every time a guest enters your restaurant, your business assumes risk. Allergic reactions, slips, falls, or food-borne illnesses can all be reasons for one of your guests to file a claim or lawsuit against your business. Even if your business is not responsible for the guest’s injury or property damage, you can still be held responsible for associated costs like attorney’s fees if a lawsuit is filed. The General Liability coverage protects such incidences.

While insurance coverage can’t protect guests from slipping and falling, it does protect your business from claims and lawsuits alleging injuries and damages that occurred as the result of your business operations.

General Liability offers the peace of mind that your business can survive a costly incident or lawsuit and still have the necessary funds to continue operating.

Workers' Compensation

This valuable coverage protects your business and employees from financial loss if an employee is hurt on the job and helps pay for medical care, wages from lost work time, and more due to work-related injuries or illnesses.

As a business owner, you must have a policy before hiring that first employee. Most states require employers to cover any full-time or part-time employees. Each state sets coverage requirements. Failure to carry this insurance or otherwise meet state regulations can leave an employer exposed to paying these benefits out of pocket and penalties levied by the state. 

Workers' Compensation not only offers valuable coverage for employees who are injured in the course and scope of their employment, but it also protects your business. Workers’ compensation can:

  • Pay for medical expenses.
  • Provide a portion of lost income.
  • Protect you from claims and lawsuits filed by employees injured on the job

Workers' Compensation can cover:

  • Injuries employees may suffer while working on your business' premises: For example, slipping on a wet floor and breaking an arm.
  • Injuries suffered anywhere else while your employee is working: For example, traveling on business or running a work-related errand.
  • Certain illnesses and occupational diseases contracted as a result of employment: For example, developing a lung disease caused by chemical exposures while on the job.
  • Problems and illnesses that are developed over a long period of time of doing the same activity: For example, carpal tunnel syndrome or back problems from some sort of repetitious movement.

Employment Practices Liability

Employment-related lawsuits and claims can harm your business's financial well-being and reputation. EPLI is a form of professional liability insurance that protects your restaurant business against any legal action arising from an employee suing your business.

EPLI provides your business with funds for legal expenses related to lawsuits and settlements from employment-related claims, offering assistance if a current, past, or prospective employee were to sue for alleged wrongful treatment.

Coverage from this liability insurance extends to employment-related claims made by full-time, part-time, temporary, or seasonal employees, and even applicants for employment. 

EPLI covers the costs of defending your business against employment-related claims, including:

  • Wrongful termination
  • Breach of employment contract
  • Harrassment or retaliation
  • Discrimination
  • Failure to employ or promote
  • Wrongful demotion or discipline

Although EPLI provides coverage for a broad rage of employment-related issues, it does not provide protection against claims arising from:

  • Employee illness or injury
  • Employee theft
  • Professional errors
  • Union disputes

Managing your business insurance is just a click away!

Your account comes with tools to conveniently manage your insurance coverages.

Access to your documents, manage payments, and view coverage history via your account portal.

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