PROGRAMS
Restaurant Franchise Captive Program
Want to Join Restaurant Franchise Captive Program?
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The Restaurant Franchise Captive Program (RFCP) is a Group Captive designed to give best-in-class franchisees, franchisors, and independent restaurant operators the ability to Turn Premium into Profit™. Now in its 21st year, the program continues to offer an alternative to traditional insurance, having returned more than $30 million to its members.
Coverages
The RFCP provides comprehensive insurance coverage tailored for the restaurant industry, particularly focusing on property insurance.
Coverage is available in all 50 states, ensuring nationwide protection for your restaurant operations.
Coverage Eligibility
To qualify for the RFCP, businesses must:
- Operate as a restaurant (franchisee, franchisor, or independent)
- Meet safety and maintenance standards
- Meet a $300,000 minimum premium
- Alcohol sales less than 25% of gross sales
- Delivery less than 10% of gross sales
- Restaurants with entertainment services are excluded
Program Highlights
- Profit Potential: Members can earn 60%+ of their premium, based on individual loss experience.
- Investment Income: Earns a historical investment income of 2-5% on loss fund dollars.
- Nationwide Coverage: Written in all 50 states with an A+, XV-rated carrier, Arch.
- Industry-Specific Claims Team: Access to dedicated claims specialists with restaurant industry expertise.
- Risk Control and Management: Programs include quarterly claim reviews and proactive litigation strategies.
Optional Enhancements
RFCP offers customizable, behavior-based safety programs and claims management options, allowing members to participate actively in claim handling and litigation strategy. Members may also choose to participate in program governance through the Board of Managers and subcommittees, providing greater control over insurance management and costs.
Speak to an Expert
Josh Stoll
VP, Group Captives
Specialty Captive Group, a division of Specialty Program Group
Shelly Caprio
Vice President, Group Captives
Specialty Captive Group, a division of Specialty Program Group
