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Insurance solutions for Wendy's® Franchise Owners

SDIC and Marsh have designed franchise compliant insurance solutions specifically for Wendy's® Franchise Owners.

Here to help Wendy's franchisees navigate insurance requirements

Square Deal Insurance Company has selected Marsh as the program administrator. Marsh will also serve as the licensed agent for the captive insurance program​.​

SDIC insurance products & coverage details

Secure tailor-made coverage solutions for Wendy's franchisees, which includes:
selected option

A type of insurance coverage that provides protection to businesses against claims of bodily injury, property damage, and personal injury arising from their operations, products, or services. It is designed to protect businesses from financial losses resulting from lawsuits or legal claims made by third parties. The coverage parts of General Liability insurance include:

  • Bodily Injury: This part of the coverage protects the insured business in someone (non-worker) is injured on premises or due to the business’s operations or services.
  • Property Damage: This part of the coverage protects the insured business if a third party’s property is damaged due to the business’s operations, products, or services.
  • Personal and Advertising Injury: This part of the coverage protects the insured business against claims of defamation, libel, slander, copyright infringement, or invasion of privacy.
  • Medical Payments: This part of the coverage provides coverage for medical expenses incurred by third parties who are injured on the insured business’s premises or as result of the insured business’s operations, regardless of fault. This can help cover immediate medical expenses and avoid potential lawsuits.

A type of insurance coverage that provides benefits to employees who suffer work-related injuries or illnesses. It is designed to protect both employees and employers by providing financial support to injured workers and limiting the employer's liability for workplace injuries. The coverage parts of Workers Compensation insurance typically include:

  • Medical Expenses: This part of the coverage pays for medical treatment, hospitalization, medication, and rehabilitation services for employees who are injured or become ill as a result of their work. It covers the costs of necessary medical care related to the work-related injury or illness.
  • Lost Wages: This part of the coverage provides wage replacement benefits to employees who are unable to work due to a work-related injury or illness. It typically pays a portion of the employee's regular wages while they are unable to work, helping  to compensate for the income lost during their recovery period.
  • Disability Benefits: This part of the coverage provides to compensate for the income lost during their recovery period.enefits to employees who suffer a permanent disability as a result of a work-related injury or illness. The benefits are typically based on the severity of the disability and may be paid as a lump sum or in regular installments.

A type of insurance coverage that provides liability protection for an insured business when they use vehicles that they do not own, such as rented or leased vehicles, or when employees use their personal vehicles for business purposes. This coverage has two main components:

  • Hired Auto Coverage:  This part of the policy provides liability protection when a business rents or leases a vehicle for business purposes. It covers the business for damages or injuries caused by the rented or leased vehicle while it is being used for business activities. This coverage typically includes both bodily injury and property damage liability.
  • Non-Owned Auto Coverage: This part of the policy provides liability protection when employees use their personal vehicles for business purposes. It covers the business for damages or injuries caused by the employee's personal vehicle while it is being used for business activities. This coverage is important because personal auto insurance policies may not provide coverage for accidents that occur during business use.

Additional insurance products & coverage details

Fully protect your Wendy's franchise with these additional coverage options:
selected option

Commercial Property insurance is a type of insurance policy that provides coverage for physical assets and property owned by a business. It is designed to protect businesses from financial losses resulting from damage or loss of their property due to various perils, such as fire, theft, vandalism, or natural disasters. The coverage parts of a Commercial Property insurance policy typically include:

  1. Building Coverage: This part of the policy provides coverage for the physical structure of the business property, including the building itself and any permanently attached fixtures. It covers damage or loss caused by covered perils, such as fire, windstorm, or vandalism.
  2. Business Personal Property Coverage: This part of the policy provides coverage for the business's movable property, such as furniture, equipment, inventory, and supplies. It covers damage or loss caused by covered perils, both on and off the business premises.
  3. Business Interruption Coverage: This part of the policy provides coverage for the loss of income and additional expenses that a business may incur if its operations are interrupted or suspended due to a covered loss. It helps compensate for the financial impact of the business's inability to operate and generate revenue during the restoration period.
  4. Extra Expense Coverage: This part of the policy provides coverage for additional expenses that a business may incur to minimize the impact of a covered loss. It covers expenses such as temporary relocation costs, equipment rental, or expedited repairs to resume business operations as quickly as possible.
  5. Equipment Breakdown Coverage: This part of the policy provides coverage for the repair or replacement of equipment and machinery that breaks down due to mechanical or electrical failure. It helps cover the cost of repairs or replacement, as well as any resulting business interruption losses.

A type of insurance policy that provides coverage for claims made by employees against their employers for various employment-related issues. It is designed to protect businesses from financial losses resulting from lawsuits or legal claims related to employment practices. Employment Practices Liability Insurance policies typically protect against claims of:

  1. Wrongful Termination: This part of the policy provides coverage for claims alleging that an employee was wrongfully terminated, such as claims of discrimination, retaliation, or breach of employment contract.
  2. Discrimination: This part of the policy provides coverage for claims alleging discrimination based on protected characteristics, such as race, gender, age, religion, disability, or national origin.
  3. Harassment: This part of the policy provides coverage for claims alleging harassment, including sexual harassment, hostile work environment, or other forms of workplace harassment.
  4. Retaliation: This part of the policy provides coverage for claims alleging retaliation against an employee for engaging in protected activities, such as reporting discrimination or harassment, filing a complaint, or participating in an investigation.
  5. Wrongful Discipline: This part of the policy provides coverage for claims alleging wrongful discipline or unfair treatment of employees, such as unjustified demotion, suspension, or denial of promotion.
  6. Failure to Promote: This part of the policy provides coverage for claims alleging that an employee was unfairly denied a promotion based on protected characteristics or other discriminatory practices.
  7. Employment-related Misrepresentation: This part of the policy provides coverage for claims alleging that the employer provided false or misleading information during the hiring process, such as misrepresenting job duties, compensation, or future prospects.

A commercial auto policy typically includes both Auto Liability and Physical Damage coverage. It can also include coverage for Medical Expenses and Uninsured or Underinsured motorists.

  1. Auto Liability: Protects the insured business against claims for bodily injury or property damage caused by the insured vehicle.
  2. Physical Damage: Provides coverage for the damage to the insured vehicle.

A type of insurance coverage that provides additional liability protection beyond the limits of an underlying primary insurance policy. It is designed to provide an extra layer of coverage and help businesses from large and potentially catastrophic losses.

Covers losses and damages to your buildings and business personal property belongings caused by earthquakes.​

This insurance provides coverage for business dwelling and business personal property losses caused by water damage specifically due to flooding.​

 

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