Why Rising Property Insurance Costs are Squeezing Multi-Site QSRs
If you manage a quick-service restaurant (QSR) chain across multiple locations, you’re likely facing rising insurance costs and inflexible policies. Traditional property insurance is increasingly misaligned with the realities of multi-site operations, forcing businesses to overpay for coverage that doesn’t reflect their actual risk profile.
In a recent article published by QSR, Randy Sadler of CIC Services discusses how premiums continue to climb—up 5.6% in late 2024 and another 3.6% in early 2025—driven by inflation, natural disasters, and reduced reinsurance capacity. These rising costs are compounded by the inefficiencies of traditional policies, which often require each location to be insured to its full replacement value, regardless of risk.
Captive insurance offers a flexible, strategic alternative. Instead of applying a one-size-fits-all policy, captives allow you to design a customized program that spreads coverage across your entire portfolio. This “peanut butter coverage” ensures high-risk sites get more protection, while low-risk sites don’t inflate your costs unnecessarily.
Read the full article here to see how captive insurance is no longer just for large corporations. If your QSR business spans several locations and your premiums are eating into your margins, it’s time to consider a smarter, more strategic insurance model. Rethink your coverage—spread it where it matters most.