Culver’s Insurance Program

Protect your property, operations, and assets from the unexpected.

• Building & Property Coverage
• Business Interruption & Income Protection
• General Liability
• Employment Practices Liability
• Cyber Liability & Data Breach Protection
• Food & Product Recall
• Workers’ Compensation
• Automobile & Fleet Programs
• Excess/Umbrella Liability

Reduce claims, improve safety, and protect your brand.

• Safety & Compliance Training
• Slip & Fall Prevention
• Food Safety & Sanitation Support
• Cyber Risk Management
• Emergency Response & Business Continuity Planning
• Claims Advocacy & Oversight
• Workplace Violence & Security Evaluations

Support your team and strengthen retention with customized solutions.

• Group Medical, Dental & Vision Plans
• Voluntary & Ancillary Benefits
• Employee Health & Wellness Programs
• Compliance & HR Technology Consulting
• Benefits Administration Support

Comprehensive personal protection that complements your business coverage.

• Home, Auto & Umbrella
• Life & Disability Insurance
• Fine Art & Valuable Articles
• Private Client Advisory

The Culver’s program is a tailored insurance and risk-management offering for Culver’s franchise owners, providing access to business insurance, employee benefits, risk services and personal insurance through HUB International’s hospitality and franchise expertise.

Any Culver’s franchisee can participate in the program. There are no size or revenue requirements — whether you operate a single restaurant or multiple locations.

No. You do not need to already be a HUB client to receive a program quote. Franchise owners can request a quote independently.

There are no extra costs or hidden fees — HUB provides comprehensive service and competitive pricing under the program without additional charges.

The program typically includes commercial property, liability, workers’ compensation, cyber liability, business interruption and other tailored coverage options designed for franchise operations.

Support services include workplace safety resources, compliance and risk-management tools designed to reduce claims and help protect employees, guests and the brand overall.

Franchise owners can start by requesting a quote or contacting the Culver’s insurance team through the contact options provided on the program page.

The Culver’s Workers’ Compensation Captive is a specialized insurance program created for participating Culver’s franchisees. Instead of a one-size-fits-all workers’ compensation program, it offers a uniquely tailored structure to Culver’s restaurants, with the goal of stabilizing costs, supporting safety and protecting your ability to run your business. From your day-to-day perspective, the policy is issued and administered very much like a standard workers’ compensation policy. The difference is how the program is structured behind the scenes.

CFS and HUB wanted to give Culver’s owners a more thoughtful, long-term way to manage workers’ compensation by bringing franchisees together in a single, purpose-built program. The goal is to reduce volatility, reward strong performance and support a culture where people and safety are taken seriously.

In a traditional program, each policy is rated on its own, and most of the benefit of good performance stays with the carrier. In a captive, pricing and structure are informed by the experience of the Culver’s system, with more transparency, dedicated risk control and the potential for improved total cost over time.

No. CFS helped fund and establish the captive so franchisees can participate without putting up their own capital up front. Your role is to participate in the program and pay premiums. There is no separate capital contribution required to join.

Yes — and that’s part of the design. Franchisees who invest in safety and claim prevention can positively influence their long-term cost, while poor performance can have the opposite effect. HUB provides tools, benchmarks and support to help your leadership team and managers create safer workplaces and better outcomes.

When the program performs well and regulatory/financial requirements are met, the captive is structured so that participating franchisees may benefit from that performance. Dividends are never guaranteed, but the goal is for value created by strong, system-wide performance to be shared with the group, not just the carrier.

All Culver’s franchise owners can be considered for participation, subject to standard underwriting. If you’re not sure whether the captive is the right fit for your business, the HUB team can review your locations, loss history and growth plans and outline the best options.

Yes. To protect the captive and participating franchise owners, there are underwriting standards related to loss history and safety practices. The carriers typically review 3–5 years of workers’ compensation loss runs, open claims and other account details as part of their evaluation.

Absolutely! Reach out to us, and we will make sure you’re set up with the right solution before you open your doors.

The program is designed to protect your whole operation, from your building and drive-thru to your people and brand. It can include:

• Workers’ Compensation (including the captive)
• Businessowners Policy (BOP)
• Property & Business Interruption
• General Liability
• Commercial Auto & Hired/Non-Owned Auto
• Umbrella / Excess Liability
• Directors & Officers (D&O) Liability
• Cyber Liability
• Employment Practices Liability (EPL)
• Trade Name / Brand Recovery and other restaurant-specific coverages

We carefully select and coordinate these coverages, so your protection feels like a single program, not a stack of unrelated policies.

The Nationwide BOP program is built around the way that Culver’s restaurants actually operate. It’s designed to reflect common contractual requirements and the specific exposures you face as a Culver’s restaurant, and it benefits from the experience and scale of the Culver’s system. The goal is simple: protect your location so your team can focus on running great restaurants.

Culver’s reputation is built one experience at a time. The program includes coverage options that respond to business interruption, foodborne illness events and trade name/brand recovery expenses, along with certain crisis management costs. We’ll walk you through how these coverages work so you know what to expect if something impacts your ability to operate.

Yes. In addition to protecting your restaurants, HUB can help owners and key leaders with personal insurance, home, auto, umbrella and more, so your business and personal protection work together. Through VUI by HUB, eligible crew members can also access preferred pricing on certain personal insurance solutions, giving your team a practical benefit outside of the restaurant.

Every situation is different, but many Culver’s franchisees have seen meaningful savings and stronger coverage compared to prior programs. Your pricing will reflect your locations, payrolls, loss history and coverage choices, but the intent is to use the strength of the Culver’s system to deliver better value than a one-off market quote.

Both. The captive structure and dedicated carrier programs can provide more competitive pricing, while improved safety, claims management and benchmarking can help reduce losses over time. The more consistently we prevent and manage claims, the more room there is to reinvest back into the business.

From a billing standpoint, this will feel very familiar. In almost all cases, billing is set up much like a standard insurance program, based on your carrier and coverage choices. We’ll walk you through the options available for your account and help you choose an approach that aligns with how you manage cash flow and accounting.

Workers’ compensation claims are handled by experienced adjusters who understand restaurant operations, in partnership with HUB’s claims advocacy team. The focus is on caring for injured employees, supporting return-to-work when appropriate and managing total claim costs so your restaurants can keep running smoothly.

The program gives you access to restaurant-focused safety resources that cover everything from slip-and-fall prevention and kitchen safety to lifting techniques and ergonomics. We can also help you review claims trends and share best practices across the system, so your leadership team can create a safer environment for employees and guests.

You’ll receive clear reporting instructions and contact details as part of the onboarding process. Your managers will know exactly how to report a claim, who to call with questions and how to loop in the HUB team for guidance throughout the process.

We’ll start with a confidential review of your current program, loss history and goals. From there, we can provide an indication or proposal so you can compare options side by side, without any obligation to move until you’re comfortable.

Absolutely. We frequently help franchisees transition at renewal. HUB will coordinate with carriers, manage timing and handle the details so you can stay focused on running your restaurants.

Yes. Our team will review your policies against typical contractual requirements (such as landlord or lender insurance provisions) and the specific exposures you face as a Culver’s restaurant. The goal is to identify opportunities to better protect your business.

Yes. In many cases we can offer a directional indication based on high-level information first, then firm up pricing and terms after we receive full details and any required documents.

Once we have the information needed for your account, most franchisees receive an initial proposal or indication within a few business days, with more detailed options as we refine the data together.

You’ll have a dedicated HUB advisor as your primary contact for questions, renewals and strategy. Behind the scenes, a specialized Culver’s service team supports day-to-day needs — so you always know who to reach when something comes up.

Yes. In addition to your advisor, there is a dedicated Culver’s service team and email address for certificates, changes and everyday questions. Those details are included in your welcome materials so your managers can reach us easily.

If you’re simply curious about the Culver’s Insurance Program, coverage options or best practices, you can reach out directly to us. We can talk through where you are today, what you’re trying to solve for and whether the program might be a good fit down the road.