Commercial Package

By combining core  insurance coverages important to every franchise, our commercial package policy is customized to your unique risks to provide the protection you need.

Commercial Package Overview

Hot surfaces, sharp knives, food borne illnesses, customers coming and going on a daily basis – restaurant owners face a multitude of industry specific risks. That’s in addition to the typical concerns most small businesses must prepare for. Property damage or the loss of important customers, vendors, employee files or records are all potential issues.

When it comes to business insurance, our research shows that small business owners are looking for coverage that’s just right — not too much or too little. We have partnered with Zurich to create a commercial package policy that helps protect your franchise business, in much the same way a homeowner’s insurance policy protects your home and personal belongings. 

Our commercial package strikes the right balance, offering protection that meets the unique needs of a restaurant Owner/Operator at a competitive price. Click below to see how these coverages can work for you and your business.


Answers about the policy, including eligibility, options, enrollment, customer service and more.

General Liability

General liability helps protect your restaurant from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations.

For example, if a patron trips and is injured while walking in your restaurant, or a server spills food and ruins a patron’s jacket, general liability will be there to help. It even helps cover certain claims of slander and libel against restaurant owners. Business liability insurance does not cover liabilities directly arising out of the professional services your restaurant may provide, so it's important to have general liability to cover these types of liabilities.

Commercial Property

Did you know the average cost to rebuild a freestanding franchise location is $2.5 million? Commercial property helps cover the physical location of your restaurant and the tools used for running your restaurant business, whether you own or lease them.

Examples include:

  • Equipment.
  • Signage.
  • Structure.
Business Income

Business income helps cover the loss of income when you can’t run your restaurant because of covered property damage.

Who is the insurer?

Marsh Sponsored Programs has partnered with Zurich to provide this commercial package program to restaurant franchise owners/operators.

Who is eligbile and how do I apply?

All US Franchisees are eligible for the program.

Applying for coverage is easy! Contact an account manager today or apply through the restaurant franchise portal.

Is there an installment plan available?

Yes! Marsh has partnered with AFCO to provide financing options.

Call +1 800 323 4195 to speak with an account manager about your options.