Frequently asked questions
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Questions about the program
Rather than maintaining separate renewal dates, if you enroll in coverage outside of the annual effective date, your policy premiums will be pro-rated based on the amount of time remaining until the annual July effective date at which point your policy will renew with an annual cadence at the full annual premium.
[email protected]. Please refer to the Evidence of Coverage document sent at binding/renewal to find your master policy number and certificate number.
To report a Property claim, please email [email protected] or call (844) 216-2526.
For Cyber claims and general claim reporting questions, contact your Lockton Affinity client advocate and they will help guide you through the claim process.
Questions about Crime coverage
- Franchised Chick-fil-A Operators and their Team Members
- Each enrolled Operator will be endorsed to the policy based on the limit and deductible option selected during enrollment
- Any employee benefit plan the Operator provides for Team Members
The Cyber policy provides more favorable coverage in other areas like phishing fraud, as the Crime policy does not include such coverage.
- Robbery of guest property
- Theft of personally identifiable information (PII) or information such as credit card numbers
- Theft of assets that constitutes salaries, commissions, bonuses or Team Member benefits
- Any subsequent loss caused by a Team Member known to have previously committed a theft
- Loss or damage resulting from theft by a non-Team Member of tangible property within the premises while the premises are not open for business, unless the property is located within a safe, vault, cash box, locked cash drawer or cash register
- Give notarized written notice to the insurer (AIG) within 90 days of discovery of the loss
- Give notice to the police
- Provide all information and documents requested and cooperate in all matters pertaining to the loss
- File a detailed proof of loss form with AIG within 120 days
- Robbery of funds from a safe would involve providing records supporting the amount of money that was stolen.
- Collusion between a Team Member and outside vendor may take longer depending on the criminal proceeding timing, outside party cooperation and any outside forensic expert involvement.
Questions about Cyber Liability insurance
- Franchised Chick-fil-A Operators
- Each enrolled Operator will be endorsed to the policy based on the limit and deductible option selected during enrollment
- $250,000 per occurrence
- $500,000 per occurrence
- $1,000,000 per occurrence
Cyber Crime is available at:
- $50,000 per occurrence
- $100,000 per occurrence
- $250,000 per occurrence
There is a $10,000 per claim/loss deductible for a Multimedia Liability claim.
The Cyber policy provides more favorable coverage in other areas like phishing fraud, as the Crime policy does not include such coverage.
Telecommunications fraud are charges you incur for unauthorized calls resulting from the intentional, unauthorized and fraudulent gaining of access to the outgoing telephone service.
Financial fraud is intentional, unauthorized and fraudulent written instruction to a financial institution to debit your account by a third party without your consent. It may also be theft from accounts or corporate credit cards after a hack.
Questions about Property insurance
To purchase Business Income coverage or Non-Owned Auto Physical Damage coverage, you must purchase Contents and Inventory coverage.
- Limit options for Contents and Inventory coverage are $15,000, $30,000 or $50,000
- The limit offering for Business Income Interruption coverage is $250,000
- The limit offering for Non-Owned Auto Physical Damage coverage is $25,000
- Food inventory
- Food service products
- Tablets
- Equipment (including serve-only trailers)
- Marketing materials
- Cow costumes and more
Vehicles owned or leased by the Operator or Operator’s corporation are NOT eligible for this coverage.
This document is intended to provide an overview of coverage as well as limit and deductible options available in the Operator Optional Insurance Program. This document may provide a synopsis of coverage and is being provided as a reference only. The actual policy determines coverage. The policy contains exclusions, limitations, and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions, and requirements. If there are any discrepancies between this coverage summary and the policy, the policy language prevails. Responses to frequently asked questions are also provided. Should you have any questions about this coverage, please contact Lockton Affinity directly at (888) 403-3845 or [email protected].
Let’s chat
The Chick-fil-A Operator Optional Insurance Program
was designed for you—and we want to hear from you!
Complete the form or contact us directly at:
[email protected] or (888) 403-3845
Monday through Friday from 7 am to 5:30 pm CST.