FRi Coffee Program
Built for Coffee Operators.
Low risk. Scalable operations. The right insurance structure.
Coffee franchise operations are ideal insurance risks — no alcohol exposure, consistent operations, and predictable claims. FRi is a program built specifically for franchisees and locally-owned coffee shops that want predictable cost and room to grow.
Ideal Risk Profile
- 0% alcohol exposure
- Consistent, repeatable operations
- Lower severity claims vs. full-service restaurants
- Strong underwriting profile
- Ideal for multi-location operators
Structured for Stability
- General Liability
- Business Personal Property (equipment, buildout, contents)
- Program-level pricing stability
- Designed for restaurant operations
- Placed through our partnership with Authentic
Owner Benefits
- Predictable insurance costs
- Fewer audit surprises
- Multi-unit growth ready
- Long-term program stability
- Not subject to volatile market swings
Closing Statement
"We don't just insure coffee franchises — we structure them for long-term growth."
Built for Franchisees & Owner-Operators
Let's protect what you've built.
Whether you're a multi-unit franchisee or a single locally-owned shop, FRi structures coverage to match how you actually operate.