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Frequently asked questions

Find the answers to your most commonly asked questions about the Papa Johns® Franchisee Insurance Program.

We have deep industry knowledge of franchises and restaurants. We serve more than 53% of the nation's top 200 restaurant chains, and 9 of the 10 top US restaurant chains are currently Marsh clients.

This program is developed to help franchise owners navigate the insurance process. We strive to deliver:

Expertise: Join over 70,000 small businesses and franchisees across the US who trust Marsh.

Dedicated team members: Our insurance professionals understand the unique risks and coverage needs of a restaurant franchise operation.

Marsh, the world’s leading insurance broker and risk advisor, specializes in designing customized insurance solutions. Our job is to simplify managing your business insurance so your franchise business can survive and thrive.

Insurance coverage for Papa Johns Franchisees by Marsh meets the Insurance requirements outlined in the Papa Johns Franchise Agreement. It includes General Liability and Property, bundled as a Businessowners policy.

Business Owner's Policy: Protects your business from physical damage claims such as collisions, fire, theft and flood; and for bodily injury and property damage losses that you or an employee are held responsible for while operating a company vehicle. This policy consists of the following coverage:General Liability
- General Liability
- Crime
- Property
- Liquor Liability (where required)
- Business Interuption (optional)

Workers' Compensation: Protects your business and your 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.
- General Liability
- Business Property
- Commercial Auto including Hired/Non-Owned
- Excess Liability

Employment Practices Liability: Covers your business from financial loss in the event a current, past, or prospective employee accuses your business of wrongful treatment such as discrimination, harassment, or other employment-related issues.