Lockton Affinity, LLC was founded in 1987 as an affiliate of Lockton Companies and has become one of the nation’s leading program administrators. With decades of industry expertise and extensive insurance carrier relationships, Lockton Affinity produces customized, specialty insurance programs for franchises, nonprofits, common cause groups and more.

Call (888) 403-3845, Monday through Friday from 7 am to 5:30 pm CST or email [email protected].

To assist Operators in sourcing optional insurance coverages, Chick-fil-A selected Lockton Affinity to develop insurance offerings that have been customized to meet the unique needs of Chick-fil-A franchise owners. The policies and program are designed with Chick-fil-A’s insight.

These optional policies are offered to help you better protect your business. Contemplating the impact of a cyber attack, property loss or crime-related claim without insurance can help you assess the benefit of these coverage offerings for your Chick-fil-A business.

Operators can enroll in coverage at any time, choosing your desired effective date of the current day or any date in the future. The common policy effective date is July 1. Operators who enroll on any date other than July 1, will be charged a pro-rata premium based on the date of enrollment.

To reduce the amount of time Operators have to dedicate to their optional insurance renewals, all three of the optional policies administered by Lockton Affinity have a single, common effective date of July 1.

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.

If you acquire an additional location or transition to a new location after enrollment, please notify your Lockton Affinity client advocate of your new location so we can update your information with the insurance carrier. New locations will not have coverage until specifically added to your policies.

Coverage will renew automatically each year, subject to insurance carrier approval. You will be notified via email of the pending renewal at least 45 days in advance. If you wish to make any coverage changes or location updates, you can do so in the service portal or by contacting Lockton Affinity.

To pay your premium by credit card or e-check, log in to Lockton Affinity’s convenient, online service platform, available at LocktonAffinityCFA.com.

To report a Crime claim, email a description of the loss, your master policy number and certificate number to AIG at
[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.

Contact your Lockton Affinity client advocate to cancel your coverage at any time. Any unearned premium will be returned to the Operator on a pro-rated basis.

AIG

$25,000 per occurrence/Operator or $50,000 per occurrence/Operator based on the Operator’s selection during enrollment.

Premiums vary based upon the coverage limit and deductible you select, and the number of locations you have. See all options here.

• 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

For each covered claim, the Operator is responsible for paying their selected deductible of $1,500 per occurrence or $2,500 per occurrence before the insurance carrier is obligated to pay.

Crime and Cyber insurance policies are designed for different exposures, but there is some overlapping coverage. Both policies provide fund transfer fraud coverage. In the event of an incident, both policies may respond. The policies would be adjusted most favorably to the Operator, provided both coverage options were selected.

The Cyber policy provides more favorable coverage in other areas like phishing fraud, as the Crime policy does not include such coverage.

Operators should check their policy for a full list of exclusions. Notable exclusions include:

• 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

Credit, debit or charge card forgery coverage has a sublimit of $10,000 with a $1,000 deductible.

Upon knowledge or discovery of a loss that is assumed to exceed 50% of the deductible, the insured must:

• 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

The recovery timeframes depend on the complexity of the loss:

• 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.

Houston Casuality Company (Tokio Marine HCC)

• Franchised Chick-fil-A Operators
• Each enrolled Operator will be endorsed to the policy based on the limit and deductible option selected during enrollment

Cyber Privacy and Cyber Extortion are available at:

• $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

Premiums vary based upon the coverage limit and deductible you select, and the number of locations you have. See all options here.

The Operator would be responsible for $1,000 per claim/loss and 8-hour waiting period. This coverage must be eroded to trigger coverage for Business Income loss.

There is a $10,000 per claim/loss deductible for a Multimedia Liability claim.

Crime and Cyber insurance policies are designed for different exposures, but there is some overlapping coverage. Both policies provide fund transfer fraud coverage. In the event of an incident, both policies may respond. The policies would be adjusted most favorably to the Operator, provided both coverages were elected.

The Cyber policy provides more favorable coverage in other areas like phishing fraud, as the Crime policy does not include such coverage.

Phishing fraud occurs when a Team Member responds to an intentionally misleading telephone call which fraudulently induces that Team Member to transfer money directly or via a gift card to an unintended third party.

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.

Ascot Insurance Company

The three available Property policies are Contents and Inventory, Business Income Interruption and Non-Owned Auto Physical Damage coverage.

To purchase Contents and Inventory coverage, you must also purchase Business Income coverage OR Non-Owned Auto Physical Damage coverage.

To purchase Business Income coverage or Non-Owned Auto Physical Damage coverage, you must purchase Contents and Inventory coverage.

Yes. For Property insurance to apply, coverage must be purchased for each restaurant location.

• 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

The coverage, limits and deductible you select will impact your premium. Operators with restaurants in designated counties are subject to increased premium and a higher deductible for losses caused by a windstorm or earthquake.

Find pricing options here and CAT-designated counties here.

Any property owned or leased by the Operator and used for the operation of a Chick-fil-A restaurant, including:

• Food inventory
• Food service products
• Tablets
• Equipment (including serve-only trailers)
• Marketing materials
• Cow costumes and more

The loss of an Operator’s net income and continuing operating expenses after a covered business interruption. Operators should refer to the policy for coverage specifics.

Vehicles owned, leased or borrowed by Team Members and vehicles borrowed or rented for restaurant use are covered.

Vehicles owned or leased by the Operator or Operator’s corporation are NOT eligible for this coverage.

This policy does not provide liability or third-party bodily injury.